3DS for Issuers: From Liability Burden to Fraud Intelligence

3DS (3-Domain Secure) gets its name from the three domains that coordinate to verify a cardholder’s identity: the issuer domain (the card program), the acquirer domain (the merchant), and the interoperability domain (the card network infrastructure). When these three domains work together, they create a framework designed to prevent fraud. The reality, however, is more complex.