If you are worried about fraud protection, 3D Secure (three-domain secure or 3DS) is an additional tool you may need. Some countries, including those in Europe, require that you have 3DS in place. The process is straightforward: The card issuing bank enrolls the credit cards in a 3D Secure program. This allows the customer to provide additional authentication when using their card for online transactions.
Nexio has gateways that allow you to accept these 3DS enrolled credit cards and provides the iframe for your shopping cart. When completing the transaction, the customer uses the prompt to type their additional password. If the password is invalid, then the transaction is denied. 3DS is similar to two-factor authentication.