<aside> đź’ˇ Read all about 3D Secure
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At PagaDirect, your payment security is a top priority. To protect your business and your customers, we require 3D Secure (3DS) on all card payments made through our platform.
This is not just our policy; it is also a requirement from our acquiring partner and aligns with the European security standard for online payments. While it may be an extra step during checkout, the protection it offers is significant.
3D Secure adds a step to online payments where the customer confirms their identity—usually with a one-time password, fingerprint, or mobile app approval at the card issuer. It ensures the cardholder is the person actually making the payment.
You may know 3DS by the names used by the card networks as Visa Secure or Mastercard Identity Check.
We use 3D Secure 2, the latest version. It’s designed for better speed, mobile use, and fewer interruptions. In many cases, customers won’t even see the verification step.
3D Secure is a mandatory security requirement under PSD2 (the European Payment Services Directive). Any card transaction in the EU must use 3DS to be considered compliant.
At PagaDirect, we want to maintain the highest security standard, so we follow this European standard to keep security high and risk low.
Our acquirer also requires 3D Secure on all transactions.
3DS blocks unauthorized transactions before they happen. It makes it much harder for stolen cards to be used, protecting both merchants and consumers.
When a 3DS-authenticated payment results in fraud, the liability shifts to the card issuer. That means fewer financial losses and disputes for your business.
Yes, adding a step at checkout may cause a drop in completed transactions. But this is typically minor, especially with 3DS’s improved design.
And the upside is clear: less fraud, less chargeback risk, and better long-term trust in your store.