3D-Secure is a XML-based protocol to allow authentication of cardholders of credit card companies in epayment transactions. 3D was developed by Visa to improve the security of Internet Payments. It was adopted and is offered with the service name "Verified by Visa" (by Visa), "MasterCard SecureCode" (by MasterCard) and "J/Secure" (by JCB).
Under 3D authentication program, e-buyer will be redirected to their issuer bank page where extra password or security info needed for authentication after they entered Credit Card No, CVV and Expiry Date at Credit Card Payment Interface (at iPay88's page).
Thus, e-buyer needs to enroll for the authentication code with their issuer bank before any epayment, usually via bank’s official page.
The following credit card issuing banks in Malaysia are currently compliant with 3D-secure:
2. How to register for 3D-Secure
Kindly refer to below URL on how to enroll for 3D-Secure service for related credit card issuance bank.