queensgrowthbeyond's is a secure way to take payments We uses 256-bit SSL encryption to protect your customers’ data. Additionally, Shopify is Level 1 PCI DSS compliant. This means that we meet all six categories of PCI DSS requirements.
3D Secure is an additional security layer for online credit and debit card transactions. It adds an authentication step for online payments by redirecting the user to the card issuer’s domain, then back to the online store's domain to complete payment. Online stores in countries under the directive require 3D Secure checkout integrations in order to be compliant with the PSD2 directive.
Payments that are sucessfully authenticated by 3D secure are protected by a liability shift. When a payment is authenticated with 3D secure, the liability for fraudulent chargebacks or disputes is shifted from merchants to card issuers. This liability shift results in merchants no longer being liable for the costs of a chargeback or dispute. However, card issuers have policies that remove liability shift protection if too many chargebacks occur.