What is 3D Secure (Visa Secure / MasterCard SecureCode)?

3D Secure is a technical standard created by Visa and MasterCard to further secure CNP (Card-holder Not Present) transactions over the Internet.

MasterCard brands their system as 'MasterCard SecureCode' and Visa call theirs 'Visa Secure'.

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3D Secure protects a buyer's credit card against unauthorised use when shopping online. This simple service enables buyers to validate transactions you make over the internet by requesting a personal code (usually sent to your cell phone or email address as a one time PIN). It helps protect against fraudulent use by unauthorised individuals.

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