The 3D Secure password is implemented by VISA and MasterCard/Amex in partnership with card issuing banks under the "Verified by VISA" MasterCard SecureCode services, respectively. The 3D Secure password adds an additional layer of security through identity verification for your online credit/debit card transactions. This password, which is created by you, is known only to you. This ensures that only you can use your card for online purchases.