Hotel-tech glossary

3D Secure

Card-issuer authentication protocol used to satisfy SCA requirements.

3D Secure (3DS, branded as Verified by Visa, Mastercard SecureCode, etc.) is the authentication protocol used by card issuers to satisfy SCA. 3DS 2 adds frictionless authentication for low-risk transactions and step-up authentication for higher-risk ones. Modern payment processors implement 3DS 2 automatically; older 3DS 1 is being phased out.

Related terms

PSD2

EU Payment Services Directive 2, requiring Strong Customer Authentication for payment transactions.

SCA

Strong Customer Authentication. PSD2-mandated two-factor authentication for card payments.

Part of the hotel-tech glossary. Maintained by Maciej Dudziak, founder of Guestivo.