The EMV 3DS protocol helps make internet card payments more secure, while achieving a better balance between security and customer convenience by letting the card issuer know more details about the intended purchase.

The merchant's website will check if 3D secure has been enabled. If enabled, they will get redirected to their debit or credit card provider's 3D secure web page. The 3D secure web page will request their online banking passcode, a one-time authentication code, or a security question to verify their identity.

3D Secure (3DS) is an authentication method that provides an additional layer of authentication for credit card transactions, protecting against fraudulent actors. 3DS asks your customers to verify their identity with the card issuer during payment.

3D Secure is a security protocol that is designed to provide an additional layer of security for online credit card and debit card transactions. This protocol was created by Arcot Systems (now CA Technologies) and was first used by Visa to provide improved security for Internet payments.