The generic payment gateway’s credit card payment method includes optional support for 3D-Secure for shopper verification. If 3D-Secure is required, then before the merchant authorizes a payment, the shopper is redirected to a page provided by the card issuer for authentication. If the shopper authenticates successfully, the card issuer and merchant then determine whether to authorize the transaction.

Note that whether 3D-Secure is required depends on the merchant and the card issuer, and is not controlled by Oracle Commerce Cloud.