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Understanding 3D Secure: A Safety Protocol for Online Transactions
June 9, 2025 | NEWS & EVENTS
3D Secure is a security protocol designed to safeguard online credit and debit card transactions. It introduces an additional layer of authentication to confirm that the individual making the purchase is indeed the authorized cardholder. This situation occurs only when the transaction is marked as medium or high risk while using your AB&T Debit card.
Here’s how it operates:
PROCESS OVERVIEW
- Initiate Purchase: When you make an online purchase and enter your card information, the website forwards a request to your bank.
- Authentication: Your bank will then prompt you to verify your identity. This could involve entering a password, receiving a code via text, or utilizing biometric methods such as fingerprint or facial recognition.
- Verification: Once you supply the correct information, your bank authenticates your identity.
- Completion: The transaction is approved, and your purchase is finalized.
BENEFITS
- Enhanced Security: This protocol helps thwart fraud by ensuring that only the legitimate cardholder can finalize the transaction.
- Peace of Mind: Cardholders gain confidence knowing that their transactions are well-protected.
EXAMPLE
Imagine you’re purchasing a book online. After entering your card details, you receive a text message containing a code. You input this code on the website to confirm that it’s you making the purchase. Once verified, the transaction proceeds, and your book is on its way!
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