3-D Secure


Three domains or 3-D Secure is an XML-based protocol designed to be an additional security layer for online credit and debit card transactions. All the credit and debit card transactions processed by Axaipay will be processed under 3-D Secure environment – Verified By Visa for Visa transactions and MasterCard SecureCode for MasterCard transactions. This security feature is able to help merchant to reduce chargeback due to unauthorised transaction.


Under 3-D Secure environment, cardholder will be involved in authorising the transaction by entering one-time password (OTP) received from bank via SMS or mobile app during payment checkout. Once OTP has been validated successfully, the transaction is authorised by cardholder for that particular transaction.