3D Secure is a free-of-charge service by Visa and Mastercard that lets users make online purchases securely by using a debit or credit card. Available only on 3D Secure merchant web sites, the service is also known as Verified by Visa (VBV) or Mastercard SecureCode (MSC). It uses password protection to authenticate customers as an added fraud prevention measure.
Due to the new card scheme requirements with 3DS 2.1, cardholders should confirm their payments online via push notification rather than SMS