# 3D secure authentication

The basic security measures are necessary: 

* AVS: the Address Verification System
* CVC verification.

For extra fraud protection, <mark style="color:blue;">3D Secure (3Ds)</mark> requires customers to complete an additional verification step with the card issuer when paying. Typically, after customers enter their card details to confirm a payment, you will direct them to an authentication page( the authentication is co-branded by the card network) on their bank’s website. Then they enter a password associated with the card or a code sent to their phone to approve the purchase.&#x20;

{% hint style="success" %} <mark style="color:green;">**Benefit**</mark>

Request additional information to build an extra layer of fraud protection.
{% endhint %}

{% hint style="warning" %} <mark style="color:orange;">**Drawback**</mark>

The additional steps of checkout lead customers to abandon the purchase.
{% endhint %}

The Strong Customer Authentication regulation <mark style="background-color:purple;">in Europe</mark> requires the use of 3Ds for card payments. 3Ds is <mark style="background-color:yellow;">optional</mark> in other regions but you can still use it as a tool to reduce fraud.

#### 3D Secure 2.0

Instead of entering a password or just receiving a text message，the cardholder can authenticate a payment through a bank app by just visiting their fingerprint or even facial recognition.

{% hint style="info" %}
If the cardholder’s bank doesn't yet support 3D secure 2.0，we will dynamically fall back to show 3D secure 1.0.
{% endhint %}


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