3D Secure Credit Card Validation provides an additional layer of protection against fraudulent charges and chargebacks for sales. The 3D Secure Credit Card Validation payment service can increase your customers‘ confidence in the security of transactions made in your store. In addition, some payment service providers extend lower processing rates for transactions that are protected by 3D Secure. The service is available only for eligible payment gateways, and must be enabled by the administrator of your Magento Go store.
3D Secure Credit Card Validation uses Verified by VISA and MasterCard SecureCode payer authentication for purchases made by VISA or MasterCard credit cards. Customers can use either authentication method, depending on the credit card used. Customers can set up authentication for their credit cards either before they make a purchase, or during the checkout process. When customers go through checkout, they are required to provide additional security information.
There are two ways to set up 3D Secure:
The first method uses one of the following payment gateways that is already integrated with 3D Secure. The only additional step required is to enable 3D Secure in the configuration of the payment gateway.
The second method sets up an independent implementation of 3D Secure that is not associated with any specific payment gateway.