3D Secure (Three-Domain Secure) is an online payment security protocol that aims to reduce fraud and enhance the safety of credit and debit card transactions, particularly for card-not-present transactions, such as online purchases. This protocol adds an extra layer of security beyond just the card number, expiration date, and CVV (Card Verification Value).

How 3D Secure works:

1. Initiation of Transaction: When you make an online purchase and enter your payment information (e.g., card number, CVV), the payment processor or merchant will check if the card supports 3D Secure.

2. Authentication Step: If the card is enrolled in 3D Secure, you'll be redirected to a verification screen during the checkout process.

   • This screen will ask you to verify your identity with one of several methods, depending on the bank or payment provider. Common methods include:
     🔹A one-time password (OTP) is sent to your phone or email.
     🔹Biometric verification (such as fingerprint or facial recognition on mobile devices).
     🔹A security question that only you can answer.

3. Approval or Denial: Once you complete the authentication, the payment is either approved or declined by your bank. If you do not successfully authenticate the transaction, the payment will be denied.

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