Online transactions

Find out about fraud prevention and your responsibilities as a merchant

01 3D Secure security protocol 

3D Secure is an online payment security protocol that helps merchants lower the risk of fraud. It’s used to confirm cardholder authenticity, ensuring that only the real cardholder can use the card to make purchases online. 

Verified by Visa* service 

The Verified by Visa (VbV) service, based on the 3D Secure protocol, is a global program designed to make online shopping more secure for both consumers and merchants. Cardholders register for VbV through the financial institution that issued their card and select a personal password to authenticate their identity online.

Find out more about the Verified by Visa (VbV) service 

Mastercard  SecureCode® 

Mastercard SecureCode, based on the 3D Secure protocol, is a confidential code associated with the cards of consumers who make purchases online. This code is only known by cardholders and their financial institution. 

Find out more about Mastercard  SecureCode®


02 Address Verification Service (AVS) 

Service offered by Visa and Mastercard  

The Address Verification Service (AVS) allows consumers to use their credit card to make purchases online, by mail or by phone, and allows merchants to verify the cardholder's address with the financial institution processing the order. 

How does AVS work? 

AVS is used to verify whether the person making the purchase with the card is the same person who receives the monthly statement for that card. By checking the billing address indicated in the consumer's financial institution file against the billing address provided during the purchase, merchants and financial institutions are working together to prevent the use of lost or stolen Visa  cards for card-not-present purchases.

For all cardholders, AVS means that when making purchases online, by mail or by phone, if the billing address provided to the merchant doesn't match the actual billing address, the transaction can’t  be completed, which may prevent a fraudulent transaction. 

Find out more about Secure with Visa 

Find out more about the Mastercard address verification system


03 tips

  • Be careful if the same credit card is used for a number of orders in a short period of time.
  • Be careful if several orders for delivery to the same address are made in a short period of time.
  • Be careful if the customer’s IP address doesn’t match the credit card’s issuing country or is from a high-risk country.
  • Be careful if a customer makes a very expensive order or buys a large quantity of an item.
  • Always track all your packages and save your proof of delivery. You'll need them in the event of a dispute.
  • An order seems suspicious to you, call the customer to confirm with them; fraudsters often use fake phone numbers.