{"id":7569,"date":"2020-12-16T10:18:34","date_gmt":"2020-12-16T10:18:34","guid":{"rendered":"https:\/\/bitsacard.com\/blog\/?p=7569"},"modified":"2021-01-28T11:32:12","modified_gmt":"2021-01-28T11:32:12","slug":"what-is-3d-secure-and-benefits","status":"publish","type":"post","link":"https:\/\/bitsacard.com\/blog\/en\/what-is-3d-secure-and-benefits","title":{"rendered":"What is 3D Secure? Benefits of 3D Secure"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p><span style=\"font-size: 130%;\"><span style=\"font-weight: 400;\">Trust or not trust? That is the question, especially when it\u2019s about online transactions. However, the operation is carried out in a calmly way if<\/span><b> 3D Secure<\/b><span style=\"font-weight: 400;\"> payment interferes, due to it has the advantage of <\/span><b>guaranteeing the security of online purchases<\/b><span style=\"font-weight: 400;\">. What is 3D Secure and what are the benefits? Keep reading to find out.<\/span><\/span><\/p>\n<p><span style=\"font-size: 130%;\"><span style=\"font-weight: 400;\">In order to <\/span><b>curb fraudulent operations on the Internet, and keep all personal data safe<\/b><span style=\"font-weight: 400;\">, the 3D Secure (3 Domain Secure) security protocol emerged. Today, it is the most effective and updated method for the prevention of online payment frauds.<\/span><\/span><\/p>\n<h2>3D Secure Payment: What is it?<\/h2>\n<p><span style=\"font-size: 130%;\"><b>3D Secure Payment is a security system for online card payments<\/b><span style=\"font-weight: 400;\">. Specifically, this system certifies the identity of the buyer during the purchase process, ensuring the protection of payment information during the operation. That is, it guarantees that the user is identified and accredited as the real cardholder.<\/span><\/span><\/p>\n<p><span style=\"font-size: 130%;\"><span style=\"font-weight: 400;\">3D Secure is <\/span><b>a three-part process<\/b><span style=\"font-weight: 400;\"> (hence the name), which are:<\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400; font-size: 130%;\">The ecommerce that sells the product or service.<\/span><\/li>\n<li><span style=\"font-weight: 400; font-size: 130%;\">The &#8220;buyer&#8221;, which actually refers to the bank of the user who is making the purchase.<\/span><\/li>\n<li><span style=\"font-weight: 400; font-size: 130%;\">And the card issuer (such as Visa or MasterCard)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400; font-size: 130%;\">The process for this verification, to verify that the user is who he really claims to be, consists:<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 130%;\">The 3D Secure system transfers information between ecommerce and the issuer of the card of the user who makes the purchase. The information you transfer is composed of a history of datas from other previous purchases made by the user. The more information transmitted, the more security. This is a fast and imperceptible process for the buyer.<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 130%;\">Despite being highly recommended and tremendously beneficial service for all parties (since less fraud and more user peace of mind, increase their confidence, number of purchases on the web and the website&#8217;s reputation), it should be said that this service is not mandatory.<\/span><\/p>\n<p><span style=\"font-size: 130%;\"><span style=\"font-weight: 400;\">For this cases, is there a <\/span><b>difference between credit and debit card<\/b><span style=\"font-weight: 400;\"> or even prepaid card? The answer is yes. Currently, <\/span><b>not all card providers offer this service<\/b><span style=\"font-weight: 400;\">.<\/span><\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 130%;\">This service is included by some of the most important payment companies; like Visa or Mastercard. In fact, is probable that you have identified these services under the name of &#8220;Verified by Visa&#8221; or &#8220;SecureCode&#8221;.<\/span><\/p>\n<h2>Bitsa Card: A secure option for your online purchases<\/h2>\n<p><span style=\"font-size: 130%;\"><span style=\"font-weight: 400;\">In the event that you decide to operate with the <\/span><a href=\"https:\/\/bitsacard.com\/blog\/\"><span style=\"font-weight: 400;\">Bitsa card<\/span><\/a><span style=\"font-weight: 400;\">, security is more than guaranteed. <\/span><b>All your online purchases are doubly protected.<\/b><\/span><\/p>\n<p><span style=\"font-size: 130%;\"><span style=\"font-weight: 400;\">Firstly, <\/span><b>because we operate with the 3D Secure service<\/b><span style=\"font-weight: 400;\">, specifically <\/span><b>Verified by Visa<\/b><span style=\"font-weight: 400;\">. And secondly <\/span><b>because the limit of the Bitsa card<\/b><span style=\"font-weight: 400;\">, due to is not linked to a bank account, will <\/span><b>always be the amount available on the card<\/b><span style=\"font-weight: 400;\">. Spend only what you recharge! <\/span><a href=\"https:\/\/bitsacard.com\/blog\/en\/benefits-of-virtual-cards\"><span style=\"font-weight: 400;\">Virtual Card <\/span><\/a><span style=\"font-weight: 400;\">or physical, you decide.<\/span><\/span><\/p>\n<h3>How does 3D Secure payment work?<\/h3>\n<p><span style=\"font-weight: 400; font-size: 130%;\">Let&#8217;s see a practical example of how this system works with Anna.<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 130%;\">Ana wants to buy a smart watch online with her Bitsa Card.<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 130%;\">Ana activates her card and creates her password, so when making a purchase online a Verified by Visa windows will appear in which you must enter the password. <\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 130%;\">In this way your identity will be verified and the purchase confirmed thanks to the 3D Secure Payment service.<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 130%;\">But what happens behind the scenes?<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400; font-size: 130%;\">The ecommerce wants to check if Ana is really the person behind the purchase process and not a hacker playing with her money. <\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 130%;\">This is where the 3D Secure payment authentication process begins.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400; font-size: 130%;\">Thus, the issuer (in this case VISA) checks all the data shared by the ecommerce. These data range from Ana&#8217;s type of product, location, to the type of device she has used for the purchase.<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 130%;\">At this point the third party comes into the process. Therefore the name 3-D Secure.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400; font-size: 130%;\">After checking the hundreds of data received, the issuer successfully confirms the transaction made with Ana&#8217;s card. That is when gives the confirmation and approves the purchase.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400; font-size: 130%;\">Finally, Ana&#8217;s purchase was successful and her smart watch is on the way.<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 130%;\">All of this without being aware of this complex process that involves 3D Secure Payment, which occurs in a matter of seconds and is imperceptible to the buyer.<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 130%;\">A service that has ensured great protection against possible frauds.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 130%;\">A service that benefits the user but also the e commerce, which sees it sales increased thanks to the trust that their customers have in their secure shopping platform.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; Trust or not trust? That is the question, especially when it\u2019s about online transactions. However, the operation is carried out in a calmly way if 3D Secure payment interferes, due to it has the advantage of guaranteeing the security of online purchases. What is 3D Secure and what are&#8230;<\/p>\n","protected":false},"author":22,"featured_media":8770,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"class_list":["post-7569","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bitsa-en"],"_links":{"self":[{"href":"https:\/\/bitsacard.com\/blog\/en\/wp-json\/wp\/v2\/posts\/7569","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bitsacard.com\/blog\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bitsacard.com\/blog\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bitsacard.com\/blog\/en\/wp-json\/wp\/v2\/users\/22"}],"replies":[{"embeddable":true,"href":"https:\/\/bitsacard.com\/blog\/en\/wp-json\/wp\/v2\/comments?post=7569"}],"version-history":[{"count":0,"href":"https:\/\/bitsacard.com\/blog\/en\/wp-json\/wp\/v2\/posts\/7569\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bitsacard.com\/blog\/en\/wp-json\/wp\/v2\/media\/8770"}],"wp:attachment":[{"href":"https:\/\/bitsacard.com\/blog\/en\/wp-json\/wp\/v2\/media?parent=7569"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bitsacard.com\/blog\/en\/wp-json\/wp\/v2\/categories?post=7569"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bitsacard.com\/blog\/en\/wp-json\/wp\/v2\/tags?post=7569"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}