Audience
Organizations and enterprises in need of an XML-based messaging solution to enable cardholders to authenticate themselves
About Modirum
Three-Domain Secure (3DS or 3-D Secure) is a XML-based messaging protocol to enable cardholders to authenticate themselves with their card issuer while making card-not-present (CNP) online purchases. 3-D Secure helps to prevent unauthorised CNP transactions and protects the merchants and issuers and cardholders from fraud on cards. 3-D Secure facilitates the exchange of cardholder data between CNP transaction participants – cardholder, merchant, card issuer and payment system. 3-D Secure version 1.0 was initially developed by Visa and marketed as Verified by Visa (VbV) since early 2000s. Services based on the 3-D Secure 1.0 have also been adopted by MasterCard as MasterCard SecureCode (MCC), by JCB International as J/Secure and by American Express as American Express SafeKey. The main benefit of 3-D Secure is shifting the possible fraud responsibility from the merchant to the card issuer, which reduces chargebacks.