At PAY. 95% of the credit card transactions are processed with the extra security check "3D Secure". This technology implies that there is an additional step in the payment process to make a payment complete. The exact nature of this step depends on the issuer of the card (e.g. a bank). For example, you may be asked for an extra PIN code, a password or other data./p>
A consumer can never reverse a credit card payment based on 3D Secure technology through a chargeback or for the "it was not me" reason. Because of this extra verification, the bank or credit card company knows exactly who paid what amount and when. You can compare this with an iDEAL payment where additional verification is always required.