Which practice will enhance customer security during transaction processing?

Requiring 3D Secure authentication is a robust practice that significantly enhances customer security during transaction processing. 3D Secure is an additional layer of security for online card transactions, designed to reduce fraud and provide verification for both the cardholder and the merchant. When customers make a purchase, they may be prompted to enter a password or a code sent to their mobile device, confirming their identity and authorizing the transaction. This helps ensure that even if someone else has access to the card number, they cannot complete the transaction without the additional authentication, thus protecting both the customer and the merchant.

In contrast, using weak encryption undermines security by making data susceptible to interception and fraud. Allowing all payment methods without restrictions can expose merchants to greater risk, as not all payment methods may have robust security measures in place. Offering direct bank transfers only may limit customer payment options and does not inherently increase security compared to using methods that incorporate strong authentication practices like 3D Secure. By choosing to implement 3D Secure, businesses can provide a safer transaction environment for their customers.