Modirum 3-D Secure (3DS) is an authentication solution leveraging the 3DS protocol. Designed to protect online card-not-present (CNP) transactions, the solution authenticates the cardholder during checkout. It operates across three domains: merchant/acquirer, issuer, and the interoperability domain to securely exchange data and assess the legitimacy of a transaction. By combining fraud prevention tools like risk-based authentication with 3DS, FIs can detect and prevent fraud while enabling a smoother, low-friction experience for legitimate customers.
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