What is 3D Secure? 3D Secure is a payment security system that stands for three-dimensional security. This system is known as "Verified by Visa" by Visa and "Mastercard SecureCode" by Mastercard. This technology increases the reliability of online payments by offering credit card holders extra security while shopping. How Does 3D Secure Work? The 3D Secure system uses a password or OTP (one-time password) to authenticate the user when performing online transactions. During the transaction, the user's bank automatically initiates a verification process. This process is as follows: The user is directed to the payment page by shopping online. After the user's credit card information is entered, the 3D Secure system is activated. The user completes the transaction by entering the password or OTP received from his bank.
While paying with 3D, the payment screen is opened with 3D Security offered by banks. A confirmation code is sent to the mobile phone number registered in the bank of the cardholder who wants to make a payment at the same time. If the code sent to the mobile phone is entered in the required field on the 3D Secure transaction screen and confirmation is not given, the payment will not be made. In other words, no one other than the cardholder can make the relevant payment. The Reason for Preferring 3D Secure Payments made with 3D can only be completed with the confirmation code sent to the cardholder's mobile phone. In this way, any user other than the cardholder cannot make a payment. At the same time, thanks to 3D Secure, payments made with stolen cards are prevented. Credit card number, expiration date and CVC code can be passed on to others. However, in these cases, payment cannot be made without the security code sent to the mobile phone of the credit card holder. Security: 3D ensures that cardholders' information is secure and the risk of unauthorized use is reduced. Prevention of fraud: Using a password or OTP significantly reduces fraudulent activity and prevents financial losses for businesses. Customer happiness: As transactions performed with 3D security are safer, customers' trust in brands increases and customer satisfaction is ensured.
Benefits of 3D Secure (Secure Payment) System to Companies One of the problems faced by companies that receive payments by credit card on the Internet is the use of stolen cards in their systems. In some cases, even if the cardholder makes the payment himself, the bank cancels the transaction when he objects. As the payments made with the objection / stolen card increase, the banks can cancel the virtual POS they allow. Or, they can stop the company's virtual pos account and freeze the money in the account. Thanks to 3D Security, companies can understand that the paying user is the real cardholder. In this way, misuse of card transactions is prevented. Since the cardholder enters the verification on the 3D security screen on his phone, he cannot object that I did not make the payment. 3D security developed by Visa and Mastercard protects both cardholders and companies against fraud. Why is 3d Secure Important? 3D is a security protocol used to secure online payments and is important for many reasons: Prevents fraud: By using a password or OTP to authenticate the credit card holder, it greatly reduces the risk of fraud. In this way, financial losses of cardholders and businesses are prevented. Provides secure shopping: It guarantees that users' credit card information is safe during online purchases. This allows consumers to shop comfortably and provides a secure shopping experience. Increases customer confidence: Businesses using 3D increase customer satisfaction and trust by offering a safer payment experience to their customers. This strengthens customer loyalty and is important to the success of businesses. Protects the reputation of businesses: Businesses should take the necessary precautions to prevent the loss of reputation that can be caused by risky situations such as fraud and security breaches. This enables businesses to be successful in the long run. Compliance with global standards: It is a globally accepted payment security standard. In this way, businesses can more easily do business with their global customer base.
It offers an important security measure for both consumers and businesses. It makes the online shopping experience safer. Thus, it provides an environment that benefits both parties.
What is 3D Secure Error? A 3D Secure error is when 3D verification fails for online payments. This error occurs because the credit card holder cannot be verified. Therefore, the payment cannot be processed. It is usually caused by: Incompatibility of the browser used: The 3D verification process works depending on the features of your browser. If you are using an older browser, the validation may not occur. Bank's system issues: There may be a problem with your bank's or payment processor's systems. Therefore, the 3D Secure verification fails. Errors in verification information: If you enter the wrong three-digit CVV code on the back of your credit card or forget your password, the 3D verification process will not be completed.
How to Avoid 3D Secure Error? 3D Secure authentication error can occur due to not providing correct information or due to system problems. Therefore, you should follow the steps below to avoid the 3D validation error: Make sure you enter the correct three-digit CVV code and password on the back of your credit card. The 3D verification process works depending on the capabilities of your browser. You can complete the verification process using the latest browser version. By keeping your computer's security software up-to-date, you can be more protected against cyber attacks.
Preventing the 3D Secure error helps you have a safer experience when shopping online. Therefore, you can complete the 3D Secure verification process without any problems by following the steps above.
