Visa Secure is Visa’s implementation of the 3D Secure 2.0 protocol, which adds a real-time authentication layer to online transactions. It collects contextual data provided during checkout and compares it with data on file with the cardholder’s issuer. If the data provided doesn’t match or seems inconsistent with cardholder activity, the solution may prompt the cardholder for additional identity verification — like a biometric scan or SMS code.
Visa Secure helps reduce fraud and shifts liability from the merchant to the issuer if authentication is successful. It can also help ensure PSD2 compliance in the EU.
AltoPay integrates Visa Secure into your checkout flow without slowing down conversion. You should monitor authentication success rates and investigate any recurring failures. Visa Secure is especially effective for digital goods, recurring billing, and international ecommerce
For more than a decade, Jessica Velasco has been a thought leader in the payments industry. She aims to provide readers with valuable, easy-to-understand resources.
