As merchants seek out better ways to defend themselves from rampant online fraud, some are pinning their hopes on a recent upgrade to the card brands’ 3-D Secure Authentication technology.

The 3-D Secure program, which aims to decrease online fraud by confirming a customer’s identity at checkout, has met criticism from merchants and consumers since the card networks introduced it more than a decade ago. The program adds an extra authentication step, and in its earliest form required customers to produce an extra password at checkout and before the transaction is approved.

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