3D Secure


3D Secure is an online service designed to make online shopping transactions safer by authenticating a cardholder’s identity at the time of purchase. This service is known as Verified by Visa and MasterCard SecureCode. A transaction using Verified by Visa/SecureCode will redirect cardholders to the website of their card issuing bank. The cardholder may then be requested by their bank to enter a password to be authenticated. If a customer is not registered with 3D Secure then they are still able to make a purchase from you web site.

3D Secure is one method for online merchants to combat fraud. Other methods include SecurePay's FraudGuard and more information on best practice can be obtained from the APCA website (the system that processes cards in Australia) at their web site http://www.apca.com.au/getsmart/.


  • Creates a level of consumer trust and confidence in online shopping
  • Reduces disputes and fraudulent activity

3D Secure is easy with SecurePay, as we have already done the implementation for you. Our DirectOne, SecureFrame and DirectPost solutions have already been pre-integrated with 3D Secure. So whether you want a hosted solution, or you still want your customers to enter credit card details on your site, we have a 3D Secure solution that meets your needs.

Banks supporting 3D Secure with SecurePay

  • ANZ
  • NAB
  • St George
  • Westpac