High Quality Content by WIKIPEDIA articles! 3-D Secure is an XML-based protocol designed to be an additional security layer for online credit and debit card transactions. It was developed by Visa with the intention of improving the security of Internet payments and offered to customers as the Verified by Visa service. Services based on the protocol have also been adopted by MasterCard, under the name MasterCard SecureCode, and by JCB International as J/Secure. American Express has added SafeKey to UK and Singapore on 8 November 2010.