3-D Secure is a widely implemented authentication protocol designed to add an extra layer of protection for online card payments. When shopping or paying online, cardholders are required to complete an additional verification step to confirm their identity. This typically involves entering a one-time password (OTP) sent to their mobile phone via SMS or generated through their bank's mobile app. In South Africa, many banks and payment processors support 3-D Secure to reduce fraud and unauthorized transactions, enhancing consumer confidence when making payments online. This security measure helps protect both merchants and cardholders by ensuring that the person using the card is the legitimate owner. As e-commerce continues to grow in South Africa, employing 3-D Secure adds a crucial safeguard against card fraud, helping foster a safer digital payment environment for consumers and businesses alike.
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