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3D Secure

3D Secure is the payments industry authentication standard for internet/eCommerce purchases.

  • Visa calls their version ‘Verified by Visa’.
  • MasterCard calls their version ‘MasterCard SecureCode’.

These are referred to as 3D Secure. These programs are designed to ensure security for cardholders when they use their credit cards online.

3D Secure authentication requires the cardholder to register their card the first time they try to purchase goods and services from an enrolled merchant, and the details they provide will be used to authenticate any future purchase from any enrolled member merchant. Cardholders are strongly encouraged by card issuers to deal online only with 3D Secure registered merchants.

We support both Verified by Visa and MasterCard SecureCode, but we do not mandate the use of 3D Secure for all of our e-commerce merchants. However, we support our customers in understanding and implementing the 3D Secure programme, where required.

If you wish to participate in 3D Secure transactions, you can obtain a merchant plug-in product from AIB Merchant Services or your PSP. This will support the requirements of both MasterCard (through their SecureCode product) and Visa (through their Verified by Visa product).

Liability shift

If you are a merchant offering 3D secure, you are protected from liability for fraud (for most card types – refer to your PSP for more details) whether or not the cardholder opts to do 3D secure transaction.

This doesn’t stop the issuers reporting fraud however, and if your fraud levels are deemed to be excessive by the card schemes, they can place you in a chargeback window, which means you are no longer protected from liability for fraud, despite still being 3D secure enabled. This loss of benefit remains in place either until your fraud levels decrease to an acceptable level or until your merchant account is cancelled.


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