What is 3D Secure?
3D Secure; It is a system that provides an additional layer of security to the transactions you make using a credit or debit card during your online shopping. 3D Secure, an XML-based platform, was developed by a company called CA Technologies today.
The 3D Secure system developed by CA Technologies was first used by Visa as Verified by Visa. It was later used as MasterCard SecureCode by Mastercard and as J/Secure by JC International. Although it has different names, the basic name of the system used by all these companies and banks is 3D Secure.
Two-factor authentication system is used in almost all social media platforms today. Thanks to this system, even if a malicious person knows your e-mail address and password, they cannot log into your account. The 3D Secure system provides exactly such a service, but the only difference is that it provides this security in case of doubtful or high amount of expenses during your online spending.
Since the history of e-commerce fraud is as old as e-commerce, banks and credit card companies have been using 3D Secure and similar security infrastructures for a long time. Thanks to this infrastructure, even a malicious person with all your credit or debit card information cannot easily spend online. Let's take a closer look at what 3D Secure is, how it works, and see the details you need to know about this security system.
What does 3D Secure do?
You can think of the 3D Secure system as two-factor authentication found on social media platforms. Because 3D Secure; It is an identity verification system used to prove that you have made the expenditures you have made using a credit or debit card on online shopping sites.
Let's think like this; you lost your credit card or an incompetent platform that you gave your credit card information had this information stolen. The person who seized your credit card information immediately went to convert this information into money and wanted to buy a new iPhone. Of course he couldn't because the 3D Secure system required authentication for such a big expense.
How to use 3D Secure?
Whether or not to use 3D Secure is left to the discretion of the cardholders. You can activate the 3D Secure system through internet banking and mobile banking or by calling your bank. If you see an expression such as 'Use 3D Secure' on the payment screen during shopping, you must confirm and pay.
Note that the 3D Secure system does not always work, especially on platforms where your card information is registered. 3D Secure is used in doubtful situations or when the amount of spending is higher than usual. E.g; It may be considered suspicious if you repeatedly spend online.