{"id":10840,"date":"2022-05-13T11:49:00","date_gmt":"2022-05-13T06:19:00","guid":{"rendered":"https:\/\/payu.in\/blog\/?p=10840"},"modified":"2025-10-22T13:41:17","modified_gmt":"2025-10-22T08:11:17","slug":"2d-vs-3d-payment-gateway-whichs-better","status":"publish","type":"post","link":"https:\/\/payu.in\/blog\/2d-vs-3d-payment-gateway-whichs-better\/","title":{"rendered":"2D vs 3D Payment Gateway: Which&#8217;s Better?"},"content":{"rendered":"\n<p class=\"has-normal-font-size\">For cashless payments at the store, either you swipe your card at the retailer\u2019s pos terminal or, through the NFC technology, wave or tap at the Credit or Debit card contactless terminal. Now, with the surge in online businesses, there is no use for terminals. Instead, you need a service merchant, known as a payment gateway, to facilitate the payments. To safeguard the information and electronics fund transfer during transmission, the online merchant must implement a security system. These security systems are known as a 2D payment gateway or a 3D payment gateway. <\/p>\n\n\n\n<p class=\"has-normal-font-size\">These can either be incorporated in a merchant\u2019s website or application or used in payment merchant\u2019s links. In this article, we will explore them in detail below:<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><strong>What Is A 2D Payment Gateway?&nbsp;<\/strong><\/h2>\n\n\n\n<p class=\"has-normal-font-size\">Also known as a 2D secured payment gateway, the customer must enter their card details like card number, expiry, and the cardholder\u2019s name. Post that, they need to enter the security verification code, the CVV, on the back of the card. Once the customer fills in this information correctly, the transaction is authenticated. The processor payment gateway does not need any more validation or authentication.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><strong>Challenges Related To 2D Payment Gateway<\/strong><\/h2>\n\n\n\n<p class=\"has-normal-font-size\">Even though the 2d payment gateway has certain layers of protection, it is still considered a risky option. It is vulnerable to the leak of card information or payment fraud. For example, if your card gets stolen, anyone can use the information for e-billing payments or online payment apps. You won\u2019t have any control over the transactions.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><strong>What Is A 3D Payment Gateway?&nbsp;<\/strong><\/h2>\n\n\n\n<p class=\"has-normal-font-size\">To understand what is a 3D payment gateway, let\u2019s understand how it works.<\/p>\n\n\n\n<ul>\n<li>When buyers initiate an online purchase on the merchant\u2019s platform, they are redirected to the payment gateway. There, they need to enter their credit or debit card details.<\/li>\n\n\n\n<li>Once submitted, the payment gateway contacts <a href=\"https:\/\/www.visa.co.in\/\" target=\"_blank\" rel=\"noreferrer noopener\">VISA<\/a>, Master Card, or other directory service and validates the card information.&nbsp;<\/li>\n\n\n\n<li>Upon validation, the customer is redirected to the 3-Domain secure page, where they need to authenticate their identity through an OTP (One time password).<\/li>\n\n\n\n<li>The transaction becomes successful or denied after the acquiring bank authenticates this information.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><strong>Why Choose A 3D Payment Gateway?<\/strong><\/h2>\n\n\n\n<p class=\"has-normal-font-size\">This payment gateway option removes the stress of risk associated with a 2D payment gateway. Under this, after entering the credit or debit card details, the gateway also asks for a one-time password for the customer\u2019s authentication. This additional step ensures more control and safety over online transactions. Furthermore, the convenience fee is the same for both payment gateways. Convenience fee means the convenience offered to the customer for paying from a method other than the standard payment method on the merchant\u2019s platform. Thus, for the same fees, you get more security in the 3D payment gateway.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><strong>3D Payment Gateway Advantages<\/strong><\/h2>\n\n\n\n<p class=\"has-normal-font-size\">A 3d payment gateway does have some advantages, here is a list of them:<\/p>\n\n\n\n<ul>\n<li>Enhanced security to both customer and merchant\u2019s account<\/li>\n\n\n\n<li>Reduction in online frauds<\/li>\n\n\n\n<li>Protection to merchants against chargebacks filed under fraud reasons<\/li>\n\n\n\n<li>Increased customer satisfaction<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><strong>2D Payment Gateway vs 3D Payment Gateway&nbsp;<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>S.no<\/strong><\/td><td><strong>Particulars<\/strong><\/td><td><strong>2D Payment Gateway<\/strong><\/td><td><strong>3D Payment Gateway<\/strong><\/td><\/tr><tr><td>1<\/td><td>Number of Parties<\/td><td>2 parties:<br>Customer<br>Merchant<\/td><td>3 parties:<br>Customer<br>Merchant<br>The payment environment system, like the internet, server, and more.<\/td><\/tr><tr><td>2<\/td><td>Payment authentication&nbsp;<\/td><td>No<\/td><td>Yes, through an OTP<\/td><\/tr><tr><td>3<\/td><td>Risk level for merchants and customers<\/td><td>High<\/td><td>Low<\/td><\/tr><tr><td>4<\/td><td>Frauds and chargebacks ratio<\/td><td>Higher<\/td><td>Lower<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><strong>2d Payment Gateway vs 3d Payment Gateway&nbsp;<\/strong><\/figcaption><\/figure>\n\n\n\n<p><em><a href=\"https:\/\/payu.in\/blog\/how-to-select-the-best-payment-gateway-for-your-e-commerce-website\/\">Read more &#8211; How to Select the Best Payment Gateway<\/a><\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><strong>PayU Payment Gateway &#8211; Your Search Ends Here<\/strong><\/h2>\n\n\n\n<p class=\"has-normal-font-size\">Before selecting a payment gateway, you must research its payment methods, encryption models, software, ease of transactions, etc. One such leading financial provider that can solve all these online payment needs is <a href=\"https:\/\/payu.in\/\">PayU<\/a>. Here is how.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>S.no<\/strong>.<\/td><td><strong>Reason<\/strong><\/td><td><strong>PayU Payment Gateway<\/strong><\/td><\/tr><tr><td>1<\/td><td>Success rate<\/td><td>Best success rates through its world-class features like Dynamic Switching, Magic Retry, and more.<\/td><\/tr><tr><td>2<\/td><td>Integration on multiple platforms<\/td><td>Yes, website or mobile apps<\/td><\/tr><tr><td>3<\/td><td>Multiple payment options<\/td><td>Yes, including cards, net banking, UPI, and much more. You can also accept international payments.<\/td><\/tr><tr><td>4<\/td><td>World-class security<\/td><td>Yes, with a time-tested security engine<\/td><\/tr><tr><td>5<\/td><td>A powerful dashboard<\/td><td>A one-point place:<br>To check daily transactions <br>For instant refunds<br>For settlement details<br>For Team access<\/td><\/tr><tr><td>6<\/td><td>Boarding process<\/td><td>100% online, quick and hassle-free instant account activation<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Why Choose PayU Payment Gateway?<\/figcaption><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Conclusion<\/strong><\/h4>\n\n\n\n<p class=\"has-normal-font-size\">After reading this article, you must have realized that a <a href=\"https:\/\/payu.in\/payment-gateway\/\">payment gateway<\/a> is not only limited to transferring money. These are being used to integrate different tools, fraud and risk management, and more. Invest in a 3D payment gateway and save yourself from the stress of disputes, frauds, and more.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>FAQs<\/strong><\/h4>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1652335776383\"><strong class=\"schema-faq-question\"><strong>What do you mean by chargebacks?<\/strong><\/strong> <p class=\"schema-faq-answer\">When a customer finds a fraudulent transaction on their card, they report it to their issuing banks. If the dispute is found correct, the banks refund the amount to the customer\u2019s card. This is known as a chargeback, designed to protect customers from fraudulent transactions.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1652335798105\"><strong class=\"schema-faq-question\"><strong>Are merchants allowed to save card information on their websites for recurring payments?<\/strong><\/strong> <p class=\"schema-faq-answer\">As per the new RBI guidelines, no merchant is allowed to save the card information. The customers need to enter their details every time they make a purchase or opt for tokenization.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1652335831032\"><strong class=\"schema-faq-question\"><strong>Is it mandatory for Indian businesses to have a 3d payment gateway?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, as per the RBI guidelines, for Indian businesses to operate in the Indian market, they must have a 3d payment gateway.\u00a0<\/p> <\/div> <\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Payment Gateway, with its encryption and verification technology, ensures the safety and security of online transactions. Depending on business requirements, these can be either 2d or 3d payment gateway. Both vary from each other.<\/p>\n","protected":false},"author":53,"featured_media":10853,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[902],"tags":[1202,1204,1203,714,618],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>2D vs 3D Payment Gateway: Which&#039;s Better? - PayU Blog<\/title>\n<meta name=\"description\" content=\"Starting your online business and confused about 2D and a 3D payment gateway? 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