payments en
3-D Secure
payments
Also called: 3DS
Plain-language definition
Plain-language definition
An extra cardholder-authentication step used for some online card payments.
Why it matters
It can satisfy authentication requirements or reduce fraud exposure, but a challenge can also interrupt checkout.
Technical detail
3-D Secure is a card-network authentication protocol that exchanges transaction and risk data and may present an issuer challenge before authorization continues.
Examples
- The customer approves a card payment in their bank’s authentication screen.
Related terms
Sources and review
Reviewed July 12, 2026 by [email protected]. Next review due January 11, 2027.
- Payment Intents — Stripe Accessed 7/11/2026
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