What is 3D Secure?

3D Secure is an authentication initiative to improve online transaction performance and accelerate eCommerce growth. The protocol was introduced by Visa in 1999 and licensed the protocols to Mastercard, Discover and others in 2002.
Cardinal Consumer Authentication (CCA) leverages the 3-D Secure protocols like Verified by Visa and MasterCard SecureCode and ensures that a cardholder making a purchase during a Card-Not-Present transaction is who they say they are. CCA is a patented rules-based solution for merchants, PSPs and banks that provide choice and control over the consumer experience.