3D-Secure is the secure protocol designed to ensure enhanced security and strong authentication when you use your debit or credit cards for online purchases. It is called, depending on the card type, “MasterCard SecureCode” (soon to be "MasterCard Identity Check"), “Verified by Visa” and, in the case of American Express cards, “Safekey”. In the future when you transact, you may be asked to provide a special security code to the card issuing bank in order for the bank to authorise the online transaction when prompted in the PayPal payments page. Card issuing banks have different methods of generating and delivering these codes and so you should contact your bank if you don't receive your password, or are unsure how to complete this authentication. Please note that this is not your PayPal account password.

Help Increase security: 3D Secure adds an extra layer of security to online transactions by requiring cardholders to authenticate themselves using a password or biometric information. This helps reduce the risk of unauthorised transactions and chargebacks, protecting both the business and the customer. Help reduce fraud liability: By using 3D Secure, businesses may shift the liability for certain types of chargebacks related to fraudulent transactions to the card issuer. This can help protect businesses from financial losses due to fraudulent activities. Compliance: Cardholder authentication is mandated in several regions, and 3D Secure helps card issuers to meet these requirements.

Risk management

Q: How does Chargeback Protection differ from Seller Protection?

Both Chargeback Protection and Seller Protection help protect your eligible transactions from fraudulent and unauthorised transactions. Seller Protection is available for eligible PayPal payments transactions. PayPal payments is an all-in-one checkout solution that lets you offer PayPal and Pay in 4 to your customers. Chargeback Protection is available for eligible credit and debit card transactions.

Q: If I accept card payments, can I get both Chargeback Protection and Fraud Protection?

They both offer the benefits of PayPal fraud detection and risk management for credit and debit card transactions, but you can use only one of the services at a time. While there’s no additional cost for Fraud Protection, you’ll be responsible for any chargebacks and associated fees. Chargeback Protection collects a fee per eligible credit and debit card transaction to add protection on eligible chargebacks.

Q: How do Seller Protection and Chargeback Protection hold transaction funds?

On eligible disputes, Seller Protection and Chargeback Protection put a temporary hold on transaction funds, but they never leave your merchant account. Upon receiving required documentation, the hold is released and the funds are once again available in your account.

Q: How do I get 3DS on PayPal?

PayPal offers the latest 3DS solution for you and your buyers. For more information please visit the Developer Docs or contact sales.

Smart risk management. Solid peace of mind.

Our rich intelligence and machine learning technology help you protect your business and manage risk in the background, saving time and unnecessary stress. So you can get back to doing what you love.

Talk to an account specialist to get started, 1800 729 725.

Smiling business owner checking her tea inventory in large glass mason jars

Trusted risk intelligence

Extensive experience

Lean on expertise earned through securely processing more than 26 billion transactions in 2024.¹

Fraud detection technology

Our fraud detection tools get smarter with each transaction to help you protect your business from existing and evolving threats.

Global consumer network

With one of the world’s largest payments datasets, we can help you connect with qualified customers around the globe.

3D Secure for card payments

The platform has full support for cardholder authentication with 3D Secure. We include automatic updates as security protocols change.

Learn More

Protection for PayPal payments

When you accept PayPal, Pay in 4, or payments from PayPal invoices, we can help your business avoid chargebacks, reversals, and fees—even when you’re facing a customer dispute—with Seller Protection on eligible transactions. Limits apply.²

24/7 fraud monitoring

Our constant monitoring helps detect fraudulent transactions, so you can rest easy.

Zero charge

We understand how important it is to not have to worry about fraudulent transactions, so there’s no additional charge for our Seller Protection program.

Dispute resolution

If your buyer tells you about an issue, we’ll be there. And we’ll hold the disputed funds securely while we help you work toward a resolution.

Protection for card payments

Chargeback Protection can help you manage chargeback claims or use our Fraud Protection dashboard to take control of your own risk management.

Chargeback Protection Fraud Protection

Keep chargebacks in check

Chargeback Protection helps reduce the risk of fraudulent credit or debit card transactions in real time by evaluating whether to approve or decline each transaction. If one turns out to be fraudulent or results in an item not received dispute and you provide the required evidence, we’ll waive the chargeback fee and release the purchase amount.³

Optimise authorisation rate and risk management automatically.
Fee charged for each eligible transaction in addition to normal merchant transaction fees.

No risk expertise needed

Built into Advanced Credit and Debit Card payments. No new integration needed.

Detect fraud

The rich data from our 15+ billion annual transactions enable real-time transaction fraud analysis and order decisioning.

Avoid false declines

Reduce the instance of false declines and avoid awkward conversations with customers.

Stay ahead of the fraudsters

Get more insight and control to help balance chargebacks and declines. Fraud Protection delivers intelligence from both the merchant and consumer sides of transactions, combined with advanced machine learning and analytics, to help you protect your business from existing and evolving threats.

Control decisions from your own Fraud Protection workbench.
Set risk rules and filters to manage and tune your risk profile.
No additional fee for Fraud Protection.

No new integration required

Save time and resources because this risk analysis solution is already built in to Advanced Credit and Debit Card payments.

Tap into rich intelligence

Put our expertise to work for you. We can give you a transaction score based on the trends we see in PayPal transactions.

Balance risk and conversion

Automatically approve and reject transactions based on custom, out-of-the-box filters. You can also set risk rules and filters to fit your risk tolerance.