what is 3D secure?
3D Secure is a new method of security to enhance the security of online transactions. Mastercard’s product is called “SecureCode” and Visa’s product is called “Verified by Visa”.
Very simply the system authenticates the cardholder before the transaction takes place. So Step Ahead will "ask" the bank to "approve" that the shopper is in fact the rightful card holder. The bank authenticates the shopper by means of a pin (sometimes a password) which is sent via sms to the registered cell phone (sometimes email address) of the card holder linked to the card being used. The shopper then has to enter this pin/password in order to complete the transaction process.
Registering for 3D secure is something the card holder needs to do with their bank before they can transact online. It is a simple process, so get in contact with your bank to get set up, which only has to be done once.