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January 26, 2021

How do you benefit as a participant of 3D Secure 2?

3D Secure 2.0 provides fraud protection and online payment security to all of its stakeholders. These participants involve issuing banks, acquiring banks, merchants, and cardholders - buyers. Implementation of 3D Secure ensures additional authentication, which reduces potential fraud, including friendly fraud, lost-and-stolen card fraud, and middleman fraud. Let’s find out who is involved and how do they benefit from the 3D Secure solution.

3D Secure participants - TriDES by Asseco

Fear of fraud is one of the top reasons many Internet users prefer not to shop online, according to Similar results are shown in Baymard's research: 17% of individuals said they worry about online card data security, which stops many of them to shop online. This buyers’ pain point should encourage banks to implement technology that provides online payment security without disrupting user experience while shopping online. An additional layer of security provided by 3D Secure makes buyers more confident when deciding to purchase and pay by card online. Please keep reading and get more insights into the 3D Secure ecosystem and its participants.

3D Secure 2 Participants

To get a bird's-eye view of the 3D Secure 2 ecosystem Asseco SEE (ASEE) prepared an infographic showcasing all of its participants and their respective roles.

3D Secure participants infographic

Now that you understand the roles in the 3D Secure process, we want to point out benefits for each of the stakeholders. Let’s see how you profit from the 3D Secure solution.

3D Secure Benefits

By implementing 3D Secure solution, all parties benefit, so take a closer look and see how each participant gets a piece of their cake.


  • Increased confidence in online payment when purchasing on the web or by mobile applications
  • Easy to use – simple and intuitive, frictionless process and redefined user experience
  • Own control of payment risk parameters
  • Uniformed 2FA authentication and user experience across all digital channels

Merchants and Acquirers:

  • Increase of sales
  • Granted liability shift for fraud and disputed transactions
  • Fast and easy integration
  • Progressive security
  • High conversion rate


  • More value to existing products and offerings
  • A decrease in online card fraud and disputed transactions
  • Deep risk analysis of online merchants, clients, and transactions
  • Progressive security

Willing to find out more? Go ahead and contact our regional expert at [email protected] to get a free, zero-obligation consultation or try our DEMO to experience 3D Secure in action.

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