What is 3D Secure Authentication and What to Do When 3D Authentication Failed?

What to do when you are trying to pay with your credit/debit card, and you get an error saying that "3D Authentication Failed"?

What is 3D Secure Authentication?

3D Secure (3-domain structure) Authentication, also known as a payer authentication, is a security protocol that helps to prevent fraud for online credit card and debit card transactions. It allows banks to request extra details from a card holder to verity a purchase.

What Countries Use 3D Secure Authentication?

3D Secure is used extensively in almost all countries. It reduces the risk of fraudulent payments and makes online shopping and ecommerce much safer. For instance, 3D Secure Authentication is not prevalent in the US, where bank card fraud is about 4 times higher compared to the EU.

What to do when 3D Secure Authentication Fails?

If you receive a "3D Authentication failed" error, it means that you have not entered the required information successfully. Please double check that Caps Lock is disabled and repeat the process making sure there are no typing errors.

If the error remains, please contact your credit card issuer – which is usually a bank – for additional information.

How do I get 3D Secure authentication Visa?

Through the bank that issued your card.

  • MasterCard holders will be prompted to enter your "SecureCode".
  • Visa card holders will be asked to verify using "Verified by Visa".
  • JCB card holders will be asked to verify using "J/Secure™".

You can activate your 3D Secure through your online banking profile or simply call your bank directly to help you.

When asked to verify your purchase in 3D Secure, you will be sent  a One Time Pin (OTP) to your mobile phone by your bank. Enter this pin in the form to verify your transaction.

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