3-D Secure provides extra peace of mind for online shoppers. It is a password-protected authentication system designed to confirm the identity of the cardholder when a Visa card is used online in suspicious or different than usual circumstance (for example, if you're shopping online while travelling). By requesting a password known only to the cardholder, the bank can verify that the genuine cardholder is entering their card details into an ecommerce website. The password may be one that you nominate yourself and must remember, or, it could be a code that your bank sends you via SMS when you are about to make an online payment. It helps to prevent fraudulent transactions and gives all parties in the payment process greater peace of mind, especially when used in conjunction with all the other security features offered by Visa.