[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"questions:item:en:what-is-3d-secure":3},{"id":4,"title":5,"answer":6,"body":7,"category":101,"description":102,"extension":103,"meta":104,"modifiedAt":105,"navigation":106,"pairId":107,"path":108,"publishedAt":109,"question":110,"relatedPath":90,"seo":111,"seoTitle":112,"sitemap":113,"slug":114,"stem":115,"translationSlug":116,"__hash__":117},"questions_en\u002Fen\u002Fquestions\u002Fwhat-is-3d-secure.md","What Is 3d Secure","3-D Secure is an additional verification protocol that confirms the person paying is the actual cardholder. The issuing bank asks for confirmation — an SMS code, an app login or biometrics — and only then is the transaction sent for capture.",{"type":8,"value":9,"toc":93},"minimark",[10,13,18,37,41,49,52,56,77,81,84],[11,12,6],"p",{},[14,15,17],"h2",{"id":16},"how-it-works","How it works",[19,20,21,25,28,31,34],"ol",{},[22,23,24],"li",{},"The customer enters card details in the payment form.",[22,26,27],{},"The request goes to the bank that issued the card.",[22,29,30],{},"The bank decides whether extra verification is needed.",[22,32,33],{},"If it is, the customer confirms with a code, in their app, or with biometrics.",[22,35,36],{},"Once confirmed, the payment continues on its normal path.",[14,38,40],{"id":39},"what-version-20-changed","What version 2.0 changed",[11,42,43,44,48],{},"The first version almost always showed the customer a code entry page — and some buyers dropped off there. In 3-D Secure 2.0 the bank receives far more data about the transaction and the device, and in many cases approves the payment ",[45,46,47],"strong",{},"with no action from the customer at all",". That path is called frictionless.",[11,50,51],{},"For a business it means fraud protection no longer equals lost conversion.",[14,53,55],{"id":54},"why-it-matters-to-the-merchant","Why it matters to the merchant",[57,58,59,65,71],"ul",{},[22,60,61,64],{},[45,62,63],{},"Liability shift."," When a transaction is authenticated through 3-D Secure, liability for a fraudulent payment moves to the issuing bank in a number of cases instead of staying with the merchant.",[22,66,67,70],{},[45,68,69],{},"Fewer disputes."," It is harder for a customer to claim they did not make the transaction.",[22,72,73,76],{},[45,74,75],{},"Scheme requirements."," For many business categories the check is mandatory.",[14,78,80],{"id":79},"what-3-d-secure-does-not-solve","What 3-D Secure does not solve",[11,82,83],{},"The protocol confirms who is paying, not what was sold. If a customer disputes a payment over non-delivery or a mismatch with the description, 3-D Secure will not help — that is a matter of documentation and clear terms of sale.",[11,85,86,87,92],{},"MulenPay applies 3-D Secure 2.0 together with round-the-clock anti-fraud; see ",[88,89,91],"a",{"href":90},"\u002Fcard-payments","bank card payments",".",{"title":94,"searchDepth":95,"depth":95,"links":96},"",2,[97,98,99,100],{"id":16,"depth":95,"text":17},{"id":39,"depth":95,"text":40},{"id":54,"depth":95,"text":55},{"id":79,"depth":95,"text":80},"security","3-D Secure verifies that the cardholder is the one paying. How the protocol works, what version 2.0 changed and how it affects merchant liability.","md",{},null,true,"question-03","\u002Fen\u002Fquestions\u002Fwhat-is-3d-secure","2026-08-11","What is 3-D Secure and why does a business need it?",{"description":102},"What is 3-D Secure and why it matters for card payments",{"loc":108},"what-is-3d-secure","en\u002Fquestions\u002Fwhat-is-3d-secure","chto-takoe-3d-secure","HFLKtd-UJQ86EEsEW-slog1UqMNSP9gGmBcam-c2EKg"]