3D-Secure is the protocol behind the ongoing change in online shopping experiences for shoppers around the world.  It allows shoppers to protect themselves against credit card frauds by requiring a PIN to be entered to complete online transactions.  Visa's program is called Verified by Visa.  MasterCard's program is called SecureCode.  If you haven't heard of either before, you will for it will eventually become mandatory.

For the past two years, getting all the merchants and credit card issuers to make the transition to 3D-Secure has been slow going as expected.  Now signs of progress made has started to appear.  For example, 35-40% of orders at Good Guys are processed by Verified by Visa (thx to Scott Loftesness).  Even better, the manager of loss prevention at GoodGuys.com said:

"I`ve never had any negative feedback.  Customers say they feel safer shopping with us knowing their card is protected. It makes their lives easier and it makes our lives easier." – InternetRetailer.com

Excellent!  BTW, Good Guys.com is a customer of Arcot Systems, the leading 3D-Secure solutions vendor.