');--input-focus-border-color:Highlight;--input-focus-outline:1px solid Canvas;--input-unfocused-border-color:transparent;--input-disabled-border-color:transparent;--input-hover-border-color:#000}@media (forced-colors:active){:root{--input-focus-border-color:CanvasText;--input-unfocused-border-color:ActiveText;--input-disabled-border-color:GrayText;--input-hover-border-color:Highlight}.annotationLayer .buttonWidgetAnnotation.checkBox input:required,.annotationLayer .buttonWidgetAnnotation.radioButton input:required,.annotationLayer .choiceWidgetAnnotation select:required,.annotationLayer .textWidgetAnnotation input:required,.annotationLayer .textWidgetAnnotation textarea:required{outline:1.5px solid selectedItem}}.annotationLayer{--scale-factor:1;left:0;pointer-events:none;position:absolute;top:0;transform-origin:0 0}.annotationLayer section{box-sizing:border-box;pointer-events:auto;position:absolute;text-align:initial;transform-origin:0 0}.annotationLayer .buttonWidgetAnnotation.pushButton>a,.annotationLayer .linkAnnotation>a{font-size:1em;height:100%;left:0;position:absolute;top:0;width:100%}.annotationLayer .buttonWidgetAnnotation.pushButton>canvas{height:100%;width:100%}.annotationLayer .buttonWidgetAnnotation.pushButton>a:hover,.annotationLayer .linkAnnotation>a:hover{background:#ff0;box-shadow:0 2px 10px #ff0;opacity:.2}.annotationLayer .textAnnotation img{cursor:pointer;height:100%;position:absolute;width:100%}.annotationLayer .buttonWidgetAnnotation.checkBox input,.annotationLayer .buttonWidgetAnnotation.radioButton input,.annotationLayer .choiceWidgetAnnotation select,.annotationLayer .textWidgetAnnotation input,.annotationLayer .textWidgetAnnotation textarea{background-image:var(--annotation-unfocused-field-background);border:2px solid var(--input-unfocused-border-color);box-sizing:border-box;font:calc(9px*var(--scale-factor)) sans-serif;height:100%;margin:0;vertical-align:top;width:100%}.annotationLayer .buttonWidgetAnnotation.checkBox input:required,.annotationLayer .buttonWidgetAnnotation.radioButton input:required,.annotationLayer .choiceWidgetAnnotation select:required,.annotationLayer .textWidgetAnnotation input:required,.annotationLayer .textWidgetAnnotation textarea:required{outline:1.5px solid red}.annotationLayer .choiceWidgetAnnotation select option{padding:0}.annotationLayer .buttonWidgetAnnotation.radioButton input{border-radius:50%}.annotationLayer .textWidgetAnnotation textarea{resize:none}.annotationLayer .buttonWidgetAnnotation.checkBox input[disabled],.annotationLayer .buttonWidgetAnnotation.radioButton input[disabled],.annotationLayer .choiceWidgetAnnotation select[disabled],.annotationLayer .textWidgetAnnotation input[disabled],.annotationLayer .textWidgetAnnotation textarea[disabled]{background:none;border:2px solid var(--input-disabled-border-color);cursor:not-allowed}.annotationLayer .buttonWidgetAnnotation.checkBox input:hover,.annotationLayer .buttonWidgetAnnotation.radioButton input:hover,.annotationLayer .choiceWidgetAnnotation select:hover,.annotationLayer .textWidgetAnnotation input:hover,.annotationLayer .textWidgetAnnotation textarea:hover{border:2px solid var(--input-hover-border-color)}.annotationLayer .buttonWidgetAnnotation.checkBox input:hover,.annotationLayer .choiceWidgetAnnotation select:hover,.annotationLayer .textWidgetAnnotation input:hover,.annotationLayer .textWidgetAnnotation textarea:hover{border-radius:2px}.annotationLayer .choiceWidgetAnnotation select:focus,.annotationLayer .textWidgetAnnotation input:focus,.annotationLayer .textWidgetAnnotation textarea:focus{background:none;border:2px solid var(--input-focus-border-color);border-radius:2px;outline:var(--input-focus-outline)}.annotationLayer .buttonWidgetAnnotation.checkBox :focus,.annotationLayer .buttonWidgetAnnotation.radioButton :focus{background-color:transparent;background-image:none}.annotationLayer .buttonWidgetAnnotation.checkBox :focus{border:2px solid var(--input-focus-border-color);border-radius:2px;outline:var(--input-focus-outline)}.annotationLayer .buttonWidgetAnnotation.radioButton :focus{border:2px solid var(--input-focus-border-color);outline:var(--input-focus-outline)}.annotationLayer .buttonWidgetAnnotation.checkBox input:checked:after,.annotationLayer .buttonWidgetAnnotation.checkBox input:checked:before,.annotationLayer .buttonWidgetAnnotation.radioButton input:checked:before{background-color:CanvasText;content:"";display:block;position:absolute}.annotationLayer .buttonWidgetAnnotation.checkBox input:checked:after,.annotationLayer .buttonWidgetAnnotation.checkBox input:checked:before{height:80%;left:45%;width:1px}.annotationLayer .buttonWidgetAnnotation.checkBox input:checked:before{transform:rotate(45deg)}.annotationLayer .buttonWidgetAnnotation.checkBox input:checked:after{transform:rotate(-45deg)}.annotationLayer .buttonWidgetAnnotation.radioButton input:checked:before{border-radius:50%;height:50%;left:30%;top:20%;width:50%}.annotationLayer .textWidgetAnnotation input.comb{font-family:monospace;padding-left:2px;padding-right:0}.annotationLayer .textWidgetAnnotation input.comb:focus{width:103%}.annotationLayer .buttonWidgetAnnotation.checkBox input,.annotationLayer .buttonWidgetAnnotation.radioButton input{appearance:none}.annotationLayer .popupTriggerArea{height:100%;width:100%}.annotationLayer .popupWrapper{font-size:calc(9px*var(--scale-factor));min-width:calc(180px*var(--scale-factor));pointer-events:none;position:absolute;width:100%}.annotationLayer .popup{word-wrap:break-word;background-color:#ff9;border-radius:calc(2px*var(--scale-factor));box-shadow:0 calc(2px*var(--scale-factor)) calc(5px*var(--scale-factor)) #888;cursor:pointer;font:message-box;margin-left:calc(5px*var(--scale-factor));max-width:calc(180px*var(--scale-factor));padding:calc(6px*var(--scale-factor));pointer-events:auto;position:absolute;white-space:normal}.annotationLayer .popup>*{font-size:calc(9px*var(--scale-factor))}.annotationLayer .popup h1{display:inline-block}.annotationLayer .popupDate{display:inline-block;margin-left:calc(5px*var(--scale-factor))}.annotationLayer .popupContent{border-top:1px solid #333;margin-top:calc(2px*var(--scale-factor));padding-top:calc(2px*var(--scale-factor))}.annotationLayer .richText>*{font-size:calc(9px*var(--scale-factor));white-space:pre-wrap}.annotationLayer .caretAnnotation,.annotationLayer .circleAnnotation svg ellipse,.annotationLayer .fileAttachmentAnnotation,.annotationLayer .freeTextAnnotation,.annotationLayer .highlightAnnotation,.annotationLayer .inkAnnotation svg polyline,.annotationLayer .lineAnnotation svg line,.annotationLayer .polygonAnnotation svg polygon,.annotationLayer .polylineAnnotation svg polyline,.annotationLayer .squareAnnotation svg rect,.annotationLayer .squigglyAnnotation,.annotationLayer .stampAnnotation,.annotationLayer .strikeoutAnnotation,.annotationLayer .underlineAnnotation{cursor:pointer}.annotationLayer .annotationTextContent,.annotationLayer section svg{height:100%;position:absolute;width:100%}.annotationLayer .annotationTextContent{color:transparent;opacity:0;pointer-events:none;-webkit-user-select:none;user-select:none}.annotationLayer .annotationTextContent span{display:inline-block;width:100%}@font-face{font-display:swap;font-family:Averta Web;font-style:normal;font-weight:400;src:url(/content-platform/static/Averta-Regular-fd1297bf462e95eea6aa118597d8ef9e.otf) format("opentype")}@font-face{font-display:swap;font-family:Averta Web;font-style:italic;font-weight:400;src:url(/content-platform/static/Averta-RegularItalic-a93ae4a14814b0363207932e2c55e7bb.otf) format("opentype")}@font-face{font-display:swap;font-family:Averta Web;font-style:normal;font-weight:600;src:url(/content-platform/static/Averta-Semibold-3cbea55cef956724c095d3faa96ac883.otf) format("opentype")}@font-face{font-display:swap;font-family:Averta Web;font-style:italic;font-weight:600;src:url(/content-platform/static/Averta-SemiboldItalic-7962116f4e3c788c3df34f71cb41f4c1.otf) format("opentype")}@font-face{font-display:swap;font-family:"PT Serif";font-style:normal;font-weight:400;src:url(/content-platform/static/PT_Serif-Web-Regular-a12d02e92a52545c0e252cb52e59a199.ttf) format("truetype")}@font-face{font-display:swap;font-family:"PT Serif";font-style:italic;font-weight:400;src:url(/content-platform/static/PT_Serif-Web-Italic-fbc44e1e589cb892ee02348b2a8a348c.ttf) format("truetype")}@font-face{font-display:swap;font-family:"PT Serif";font-style:normal;font-weight:600;src:url(/content-platform/static/PT_Serif-Web-Bold-f86a6a1831027140ee56a79917cdd50d.ttf) format("truetype")}@font-face{font-display:swap;font-family:"PT Serif";font-style:italic;font-weight:600;src:url(/content-platform/static/PT_Serif-Web-BoldItalic-dc0d330f07cb434d3df2ada512eeb3b3.ttf) format("truetype")}@font-face{font-display:swap;font-family:Simplon Mono;font-style:normal;font-weight:400;src:url(/content-platform/static/SimplonMono-Regular-f7db758b4f03c8b9179c1d8fe0bb44f8.woff2) format("woff2"),url(/content-platform/static/SimplonMono-Regular-4873b89276459e0daae704dc30e2966d.woff) format("woff")}@font-face{font-display:swap;font-family:Haffer;font-style:normal;font-weight:400;src:url(/content-platform/static/HafferXH-Regular-5aabd3cd7105e25df233f608f2d66bc2.otf) format("opentype")}@font-face{font-display:swap;font-family:Haffer;font-style:italic;font-weight:400;src:url(/content-platform/static/HafferXH-RegularItalic-8cc7af3f0d75ba1b610a1b1878ea5eee.otf) format("opentype")}@font-face{font-display:swap;font-family:Haffer;font-style:normal;font-weight:500;src:url(/content-platform/static/HafferXH-Medium-dae5509349255a527ba6223b40257a7c.otf) format("opentype")}@font-face{font-display:swap;font-family:Haffer;font-style:normal;font-weight:600;src:url(/content-platform/static/HafferXH-SemiBold-64a01291b8f7380359bb3642c1b1e00a.otf) format("opentype")}@font-face{font-display:swap;font-family:Haffer;font-style:italic;font-weight:600;src:url(/content-platform/static/HafferXH-SemiBoldItalic-869dd4deb4c6e290c1aaf1e6a8670036.otf) format("opentype")}@font-face{font-display:swap;font-family:Nudge;font-style:normal;font-weight:100;src:url(/content-platform/static/VCNudge-Thin-09f2315fb254f9dc017f0e4983166415.otf) format("opentype")}@font-face{font-display:swap;font-family:Nudge;font-style:normal;font-weight:300;src:url(/content-platform/static/VCNudge-Light-dc44d09f0564da3a5f46801b8bb26cd8.otf) format("opentype")}@font-face{font-display:swap;font-family:Nudge;font-style:normal;font-weight:400;src:url(/content-platform/static/VCNudge-Regular-be0a147c918c6bec670c17f5204784bb.otf) format("opentype")}@font-face{font-display:swap;font-family:Nudge;font-style:normal;font-weight:700;src:url(/content-platform/static/VCNudge-Bold-822d17e33e72d439ad42d99a75ae6df0.otf) format("opentype")}@font-face{font-display:swap;font-family:Nudge;font-style:normal;font-weight:800;src:url(/content-platform/static/VCNudge-ExtraBold-a2d0723b460f32bc659ad1670a00ae22.otf) format("opentype")}@font-face{font-display:swap;font-family:Nudge;font-style:normal;font-weight:900;src:url(/content-platform/static/VCNudge-Black-9e870be920be60c228f9a4affa885f8d.otf) format("opentype")}@font-face{font-display:swap;font-family:Para;font-style:normal;font-weight:300;src:url(/content-platform/static/Para-Central-Light-b0a58901815efc51b2b07b595eca45f7.otf) format("opentype")}@font-face{font-display:swap;font-family:Para;font-style:italic;font-weight:300;src:url(/content-platform/static/Para-Central-Light-Italic-48e4a958a048c612c6a0927f538018b8.otf) format("opentype")}@font-face{font-display:swap;font-family:Para;font-style:normal;font-weight:400;src:url(/content-platform/static/Para-Central-Regular-03a3a49a91a9bbf991dd6263feab3975.otf) format("opentype")}@font-face{font-display:swap;font-family:Para;font-style:normal;font-weight:700;src:url(/content-platform/static/Para-Central-Bold-3107caa8a871d45bb00cb084bcc8ffc1.otf) format("opentype")}@font-face{font-display:swap;font-family:DM Mono;font-style:normal;font-weight:300;src:url(/content-platform/static/DMMono-Light-2cf6d0b2de012ff294ce86eecb4263e5.ttf) format("truetype")}@font-face{font-display:swap;font-family:DM Mono;font-style:italic;font-weight:300;src:url(/content-platform/static/DMMono-LightItalic-0e20bf0432fcf702ef0306184759a593.ttf) format("truetype")}@font-face{font-display:swap;font-family:DM Mono;font-style:normal;font-weight:400;src:url(/content-platform/static/DMMono-Regular-15edd89a6460acfb1a86017399e47a1f.ttf) format("truetype")}@font-face{font-display:swap;font-family:DM Mono;font-style:italic;font-weight:400;src:url(/content-platform/static/DMMono-Italic-6b7b77e96ef2aa8ec8fffe2e28239719.ttf) format("truetype")}@font-face{font-display:swap;font-family:DM Mono;font-style:normal;font-weight:500;src:url(/content-platform/static/DMMono-Medium-50d7af0bb966bc0570a212128d7ab24d.ttf) format("truetype")}@font-face{font-display:swap;font-family:DM Mono;font-style:italic;font-weight:500;src:url(/content-platform/static/DMMono-MediumItalic-85bff8703124566bb1a660afda35365b.ttf) format("truetype")}body,html{box-sizing:border-box;margin:0;padding:0}code[class*=language-],pre[class*=language-]{word-wrap:normal;background:none;color:#000;font-family:Consolas,Monaco,Andale Mono,Ubuntu Mono,monospace;font-size:1em;-webkit-hyphens:none;hyphens:none;line-height:1.5;tab-size:4;text-align:left;text-shadow:0 1px #fff;white-space:pre;word-break:normal;word-spacing:normal}code[class*=language-] ::selection,code[class*=language-]::selection,pre[class*=language-] ::selection,pre[class*=language-]::selection{background:#b3d4fc;text-shadow:none}@media print{code[class*=language-],pre[class*=language-]{text-shadow:none}}pre[class*=language-]{margin:.5em 0;overflow:auto;padding:1em}:not(pre)>code[class*=language-],pre[class*=language-]{background:#f5f2f0}:not(pre)>code[class*=language-]{border-radius:.3em;padding:.1em;white-space:normal}.token.cdata,.token.comment,.token.doctype,.token.prolog{color:#708090}.token.punctuation{color:#999}.token.namespace{opacity:.7}.token.boolean,.token.constant,.token.deleted,.token.number,.token.property,.token.symbol,.token.tag{color:#905}.token.attr-name,.token.builtin,.token.char,.token.inserted,.token.selector,.token.string{color:#690}.language-css .token.string,.style .token.string,.token.entity,.token.operator,.token.url{background:hsla(0,0%,100%,.5);color:#9a6e3a}.token.atrule,.token.attr-value,.token.keyword{color:#07a}.token.class-name,.token.function{color:#dd4a68}.token.important,.token.regex,.token.variable{color:#e90}.token.bold,.token.important{font-weight:700}.token.italic{font-style:italic}.token.entity{cursor:help}
3D Secure Authentication Explained | GoCardless Skip to content
3D Secure Authentication Explained
If you accept credit card payments from customers, you’ll want to provide the safest possible shopping experience. In addition to storing and sending card data using secure methods of transmission, 3D secure authentication offers a better way to protect user details when shopping online. What is 3D secure authentication, and how does it work to reduce the risk of identity theft and fraud? Here’s what you need to know.
What is 3D secure authentication ?First launched in 2001 by Visa, 3D secure authentication is now widely used by all major credit and debit card issuers. It’s a fraud prevention safeguard designed to provide an additional layer of security in card-not-present transactions. For example, the 3D secure authentication method applies when a cardholder makes a purchase using an online payment gateway.
How does the 3D secure authentication method work? 3D secure authentication adds an extra step to the payment process, redirecting customers to their card issuer during checkout. Here’s how it works:
A customer enters payment details on the checkout page of a website.
The customer is redirected to their card issuer’s 3D secure web page.
The customer enters a one-time authentication code or password.
The details are verified by the card provider and payment is approved.
The customer is directed back to the main payment page.
In some cases, there’s no need to enter any password or authentication code. Instead, the bank or card issuer can automatically verify the transaction.
What does 3D secure authentication error mean ?While in most cases a transaction will go through without issue, sometimes you’ll see a “3D authentication failed” error message. This means that the cardholder hasn’t entered their details correctly. A 3D secure authentication error could be due to everything from a mistyped card number to an incorrect expiration date. If the error continues, the cardholder will need to contact their credit card issuer for assistance.
Benefits of the 3D secure authentication method 3D secure authentication isn’t as widely used in the US as it is in some other regions such as the EU and Australia where it’s mandatory. However, there are numerous benefits to offering this added layer of security to your customers. Here are just a few reasons to consider 3D secure full authentication:
It helps prevent card details from being stolen
It provides an added layer of fraud protection
It protects against unauthorized chargebacks
It passes on liability to the card payment provider
After a transaction has passed the approval process, the merchant is no longer liable. Instead, the card payment provider will be responsible for dealing with chargebacks and refunds. This means that 3D secure authentication offers benefits not only to the customer, whose card details are protected, but also to the vendor, who receives liability protection as well.
How to set up 3D secure authentication To set up 3D secure full authentication on your website, you can get started by linking a 3D secure API with your existing shopping cart. Popular platforms like Magento and Shopify make it easy to enable 3D secure automatically. It’s also included as a standard feature of numerous payment gateways, along with IP address and CV2 checks.
You’ll need a merchant account set up to accept credit card payments with 3D secure authentication. The purpose of the merchant account is to offer a separate holding area for processing funds.
It’s also important to meet all PCI compliance regulations at the same time. PCI compliance keeps your customer data safe during the storing, processing, and transmission steps of any transaction. Together with 3D secure authentication, this provides the safest possible shopping experience for you and your customers.
We can help GoCardless helps you automate payment collection, cutting down on the amount of admin your team needs to deal with when chasing invoices. Find out how GoCardless can help you with ad hoc payments or recurring payments .
Over 100,000 businesses use GoCardless to get paid on time. Learn more about how you can improve payment processing at your business today.
All Categories Interested in automating the way you get paid? GoCardless can help Contact us Seen 'GoCardless Ltd' on your bank statement? Learn more
GoCardless Inc., 111 Congress Avenue, Suite 500, Austin, TX 78701
GoCardless Inc. (a Delaware Corporation, NMLS ID 2123932), is a FinCEN-registered money services business, registration number 31000261158426, and a licensed money transmitter in certain U.S. states.
Try a better way to collect payments
Try a better way to collect payments