3-D Secure is a payer authentication protocol designed to be an additional layer of internet security for online merchants. 3DS EMV or Three Domain Secure technology was developed by EMVCo to allow web based customers the ability to authenticate themselves through their credit card issuer when making an eCommerce purchase. Adding 3D Secure to your website helps an online business owner minimize the risk of Chargebacks due to consumer fraud and prevent fraudulent credit card transactions from ever being processed.
Every merchant account will have to stay compliant by completing a SAQ Self Assessment Questionnaire every year or they will be charged a monthly PCI non compliance fee. PCI monthly & annual fees may still apply to a merchant account based on PCI Tier level of business.
