Modirum Description
Three-Domain Secure (3DS) or 3-D Secure is an XML-based messaging protocol that allows cardholders to authenticate with their card issuer when making online card-not present (CNP) purchases. 3-D Secure protects cardholders, merchants, issuers, and cardholders against fraudulent transactions by preventing unauthorised CNP transactions. 3-D Secure facilitates the transfer of cardholder data between participants in CNP transactions - cardholders, merchants, card issuers, and payment systems. The original version of 3-D Secure 1.0 was developed by Visa. It is marketed as Verified By Visa (VbV), since the early 2000s. Services based upon 3-D Secure 1.0 were also adopted by MasterCard (MCC), JCB International (J/Secure) and American Express (American Express SafeKey). The main benefit of 3-D secure is shifting fraud liability from the merchant to card issuers, which reduces chargebacks.
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