3-D Secure standard has been developed by VISA International to improve e-commerce transactions performance online. It protects consumers by requiring authentication during online purchases.
3-D Secure provides a 'trust chain' between the merchant and the cardholder, increasing both cardholder and merchant confidence in Internet purchases, and substantially reduces potential fraud and disputes.
Currently three payment programs are based on 3-D Secure: Verified by Visa, MasterCard SecureCode and JCB J/Secure, allowing secure internet payments through Visa, MasterCard and JCB networks.
The WAY4 3-D Secure Access Control Server (ACS) module implements the 3-D Secure issuer domain functionality.