Unverified50% confidenceFactExact time
3D Secure (such as Verified by Visa) requires the cardholder to be redirected to the issuing bank's page to complete SMS OTP or biometric verification; it is an anti-fraud mechanism designed for "card-present, cardholder-present" scenarios, and an agent cannot pass it independently.
1
Sources
50%
Confidence
Long-term
Relevance
10/21/2026
First Seen
Sources
Related Entities
Related Claims
UnverifiedThe concept behind the 3D Secure protocol is to reduce risk on transactions in a gray area through additional identity verification rather than outright rejection.71% similarUnverifiedModern authentication systems (such as TOTP-based two-factor authentication, SMS verification codes, and FIDO2/WebAuthn hardware keys) are designed by nature to resist automated attacks, making it nearly impossible for AI agents to complete these verifications without possessing the user's physical device.69% similarUnverifiedAny system that digitizes and decentralizes payment credentials to end users must be accompanied by a sufficiently robust anti-counterfeiting and verification mechanism; otherwise, large-scale fraud is almost an inevitable outcome.66% similar
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