3D Secure (3DS) è un metodo di autenticazione che fornisce un ulteriore livello di autenticazione per le transazioni con carta di credito per proteggerti dai truffatori. 3DS chiede ai tuoi clienti di verificare la loro identità con la società emittente della carta durante il pagamento. Nella maggior parte degli scenari, indirizzi il cliente a una pagina di verifica sul sito della sua banca in cui digita una password collegata alla carta o un codice ricevuto sul telefono. I clienti potrebbero riconoscere questa procedura dai nomi dei circuiti di carte, come Visa Secure e Mastercard Identity Check.
La normativa sull’autenticazione forte del cliente come parte della PSD2 in Europa e normative simili nel Regno Unito, in India e in Australia potrebbe richiedere l’uso del 3DS per i pagamenti con carta. Il 3DS è facoltativo in altre aree geografiche, ma è comunque uno strumento che può essere utilizzato per ridurre il rischio di frode.
FAQs
If you can't remember your 3D Secure password you need to contact your bank or in the 3D Secure section there will be an option to select 'Forgotten Password' or 'Retrieve Password'. Follow the instructions provided.
How do you authenticate a card with 3D Secure? ›
3D Secure (3DS) uses multi-factor authentication to reduce fraud for online transactions where a card isn't physically present. 3DS is triggered by businesses in online checkout flows, and requires multi-factor authentication (usually through SMS or email-based one-time passcode that Stripe sends) to complete.
Can you bypass 3D Secure? ›
One method recommended by some cybercriminals for bypassing 3DS involves calling up the victim from a phone number that spoofs the number on the back of the payment card, and tricking them into verifying a transaction currently being made by the fraudster by claiming it is needed for identity verification purposes.
Does my credit card have 3D Secure authentication? ›
Chances are that your bank automatically enrolled your card in 3D Secure when it was issued. If you've never made an online purchase with your card and you're unsure if your card is registered, it's best to contact your bank directly to check.
How do I register my Visa card for 3D Secure? ›
Activate. The bank that issued your Visa card will activate 3-D Secure for you automatically. Upon activation, 3-D Secure protects you at every participating online store. When you shop online at a participating merchant, your card will be automatically recognised as protected by 3-D Secure.
How do I know if my debit card is 3D Secure? ›
The merchant's website will check if 3D secure has been enabled. If enabled, they will get redirected to their debit or credit card provider's 3D secure web page. The 3D secure web page will request their online banking passcode, a one-time authentication code, or a security question to verify their identity.
Why is my 3D Secure payment not working? ›
When an error message occurs during a transaction, it typically means that the cardholder has made a mistake entering their details and that 3D authentication failed. It can be a wrong password or details like the card number, expiry date, CVC, or even the additional authentication passcode.
What is 3D Secure PIN number? ›
3D Secure protects a buyer's credit card against unauthorised use when shopping online. This simple service enables buyers to validate transactions you make over the internet by requesting a personal code (usually sent to your cell phone or email address as a one time PIN).
What is unblock debit card for 3D Secure? ›
To unblock your 3D Secure and unblock your card, you should contact your bank or card company for further assistance. Some banks will ask for your personal information to confirm that you're the rightful owner of the card. Then they will proceed to unblock your 3D Secure credit or debit card.
What is 3D password for secure authentication? ›
The 3-D password is a multifactor authentication scheme. To be authenticated, we present a 3-D virtual environment where the user navigates and interacts with various objects. The sequence of actions and interactions toward the objects inside the 3-D environment constructs the users 3-D password.
3DS asks your customers to verify their identity with the card issuer during payment. In most scenarios, you direct your customer to a verification page on their bank's site where they type in a password linked to the card or a code sent to their phone.
How do I unblock 3D Secure? ›
To unblock your 3D Secure and unblock your card, you should contact your bank or card company for further assistance. Some banks will ask for your personal information to confirm that you're the rightful owner of the card. Then they will proceed to unblock your 3D Secure credit or debit card.
What triggers 3D Secure? ›
When you turn on 3D Secure, you'll be asked to validate every transaction with your PIN code. 3D stands for “three domains.” The first is the card issuer; second, the retailer receiving the payment; and third is the 3DS infrastructure platform that acts as a secure go-between for the consumer and the retailer.
