Which credit cards in the US allow 3D Secure?

Help Needed / Question Forum
1

Attempting to make purchases at international internet retailers, all of which want 3D Secure. I believe the 3DS v2 upgrade caused everything to break. My cards are no longer valid at the websites they were previously. Does anyone know which American credit card companies support 3DS v2?

2

Barclays is leading the way in using 3D secure technology for online payments.

3

The transition to 3DS v2 has caused significant issues for online shoppers. Many retailers and card issuers have been slow to adopt the new standard, resulting in declined transactions.

Major US Credit Card Companies and Their 3DS Implementations While the situation is constantly evolving, here’s a general overview of major US credit card companies and their 3DS implementations:

  • Visa: Visa Secure is their 3DS platform. It is widely adopted by both issuers and merchants.
  • Mastercard: Mastercard Identity Check is their 3DS platform, also widely supported.
  • American Express: Amex SafeKey is their 3DS solution. It’s generally well-supported, though occasional issues may occur.
  • Discover: Discover has its own 3DS system, but it might be less widely adopted by merchants compared to Visa and Mastercard.
4

From my research, it seems that most major credit card issuers in the U.S. support 3D Secure authentication, including Visa, Mastercard, American Express, Discover, Chase, Capital One, Citi, and Bank of America. However, the implementation and user experience can vary. Some key points:

  • 3D Secure is an extra layer of security for online transactions, where the cardholder is prompted to enter a password or use biometrics to verify their identity

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  • It helps reduce fraud and liability for merchants but can cause friction in the checkout process for customers

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  • The U.S. has been slower to adopt 3D Secure compared to other countries, so some older cards may not support the latest version 2.0

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  • To enable 3D Secure, cardholders usually need to enrol their card with the issuer and set up authentication credentials

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So in summary, while 3D Secure is becoming more common in the U.S., the specific experience will depend on your card issuer and whether you have an enrolled card. Contacting your bank is the best way to get the latest information on their 3D Secure support.