# E-commerce

Process an online transaction where the card is not physically present.

## Payment methods

With the Transactions API, you can initiate an e-commerce transaction for payments by:

* [Card](/guides/transactions/e-commerce/card-transaction)
* [Token](/guides/transactions/e-commerce/token-transaction)
* [Apple Pay](/guides/transactions/e-commerce/apple-pay-transaction)


## Features

| Feature | Description |
|  --- | --- |
| 3D Secure (3DS) | Use the 3D Secure protocol to verify a cardholder's identity. It works by redirecting them to their bank's authentication page during checkout, where they need to verify their identity (usually through a code sent to their phone, biometrics, or banking app), helping to prevent unauthorised card usage and reduce fraud in e-commerce transactions. This is required for European transactions and recommended globally. |
| Address verification (AVS) | Check whether the provided address matches the address on file for a specific cardholder. |
| Dynamic descriptor | Provide a detailed description of the transaction, so that the cardholder can more easily recognise it. |
| Identity verification | Check whether the provided name matches the name on file for a specific cardholder. |
| Tokenisation | Substitute sensitive data with a non-sensitive equivalent to help secure payment information. |