Hard Design: Payment System (Stripe/PayPal)

What is 3D Secure (3DS) authentication used for?

— Tests your understanding of this concept.

Answer Options

A Encrypting card data in transit

B Adding an extra authentication step (OTP/biometric) to reduce card-not-present fraud liability

C Verifying merchant identity

D Three-factor authentication for merchant APIs

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This question is from the Design: Payment System (Stripe/PayPal) topic (System Design Cases).

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