3DS is an additional layer of security and fraud protection for card payments.
3DS means that the card issuer (the bank who issued the card) may require the card holder to enter a code when making a payment. The card issuer determines whether the card holder is challenged to enter a 3DS code based on various fraud control algorithms. If challenged, a code is sent to cardholders mobile, and must be entered by customer for payment to be processed. Once the card has been verified, payment is authorised and the transaction is completed.
3DS is applicable on all customer payment pages that are hosted by TravelPay (the URL will start with pay.travelpay.com.au) and if your software utilises the TravelPay payment plugin. This includes TravelPay’s integrations with VTO, PowerSuite, EventsAir, Lemax and Odysseus.
Remember that not all credit cards are 3DS enabled, and this is at the discretion of the credit card issuer.
3DS is triggered in the transaction process. See the below flow of how this will look:
Here is an example of 3DS being triggered from ANZ, click to see full-sized image.
3D Secure is also known as Verified by Visa, Mastercard SecureCode and American Express SafeKey.