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3D Secure Payments
3D Secure is a security measure aimed at protecting customers against Credit Card fraud when shopping online. The cardholder will need to register for the service, at no additional cost, and then use a password for authentication when shopping online in future.
To shop online you are required to enrol and activate your card(s) for this service. You will not be able to shop at participating merchants if you have not activated your card(s).
How does 3D Secure work?
When an e-commerce transaction occurs on a 3D Secure website and the cardholder is paying using a credit card enrolled in 3D Secure, either the MasterCard or Visa pop up or inline security screen appears. The cardholder enters his/her 3D Secure password for authentication, and upon successful verification, the transaction is processed.
The benefits of 3D Secure for online shoppers
Though Verified by Visa and MasterCard SecureCode, credit cards can be protected against unauthorised use when shopping online. All customers need to do is enrol themselves online and once activated, their card number cannot be used for purchases without their personal password. Certain banks automatically enrol their customers in the 3D Secure program.
How do you register for 3D Secure?
You will only need to enrol for 3D Secure once (for each credit card you own) to be able to safely shop online in the future. This is a 2 step process and can be instantly completed online via your bank's website and is a necessary procedure to ensure peace of mind whilst making online purchases.