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3D Secure explained

The 3d Secure authentication is an additional fraud prevention scheme.

It allows shoppers to create and assign a password to their card that is then verified whenever a transaction is processed through The addition of password protection allows extra security on transactions that are processed online.

This means that if your card is lost or stolen, the card cannot be used without further information that only you possess and that is not shown on the card (for example your 3 digit security code next to the signature). Furthermore even if information concerning your card details are stolen whilst you still have the card, it still cannot be used (except by you) as the card does not contain the 3D password.