Similar to the chip in credit cards, 3-D Secure provides an extra layer of protection. It is an authenticated payment system to improve online transaction security. Collectively Visa, MasterCard, and AMEX collaborate for online transaction security.
3-D Secure systems provide extra security by requesting further payment authentication. The objective is to provide a safe and secure online payment experience. The 3-D process requires a password that is validated by the card issuer and further checked by all other parties involved in the transaction. In order for your transaction to be completed successfully, you must enroll in 3-D secure with your credit card company.