It is a system developed for the security of payments made by credit card and debit card on the internet. The transactions are completed with the password sent to the mobile phone of the cardholder and the unauthorized transaction is blocked. 3D Secure, developed by Visa and Mastercard, protects both card holders and companies against fraud.
In the 3D Secure system, when a credit card payment transaction is in progress, the bank sends the transaction code to the cardholder’s mobile phone and verifies the cardholder’s identity. This prevents the card from being used by unauthorized and malevolent persons other than the card owner.
During the payment process to the cardholder’s mobile phone, a single-use code is sent at the bank side, the cardholder enters the transaction code and continues processing. Once the code is verified by the bank, the transaction is completed. If the code is not verified, payment will not occur.