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3.2.2 3D Secure
3D Secure is a globally accepted authentication solution designed to make eCommerce payment processing more secure in real-time by providing an additional layer of security.
It enables the exchange of date between the merchant, card issuer and when necessary, the cardholder to validate that the transaction is being initiated by the rightful owner of the account.
Unlike traditional fraud prevention tools or chargeback mitigation companies, 3D Secure provides merchants with a liability shift against fraudulent chargebacks. This means there are no disputes – the chargeback does not hit the merchant account.