Introduction to Payer Authentication

Transactions where the card is not present have a high risk of fraud, so authenticating a payer before processing a transaction greatly reduces the merchant risk for chargebacks. Payer authentication is a way of verifying that a customer making an e-commerce purchase is the owner of the payment card being used. The protocol that is followed to authenticate customers during online transactions is called

EMV 3-D Secure

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This EMV 3-D Secure protocol is used by all major payment cards to implement payer authentication, but payment companies usually brand it under a different name: