1. What is 3D Secure?
3D Secure is a technology solution used to secure online payments and reduce the fraudulent use of credit cards over the internet. It is used on e-commerce websites that display the ‘Verified by Visa’ and ‘Mastercard SecureCode’ logos.
2. Do all e-commerce websites use 3D Secure?
No. Each online trader decides whether or not to use 3D Secure.
3. Why introduce a new 3D Secure system?
This initiative from the European Central Bank aims to reduce fraudulent credit card use on the web with an additional layer of security when buying online.
4. So what’s changed?
Until now, all you needed was a personal password. Now, however, a single-use code, valid for one transaction only, is required every time you buy something online. The extra check that this new 3D Secure system includes is designed to make sure that it is indeed the card holder ordering payment and not a fraudster.
5. How is the single-use code sent?
Either via the LuxTrust Token or by SMS — you decide for each transaction.
6. What kind of credit card can I use 3D Secure with?
You can register 3D Secure for all of your Visa or Mastercard credit cards.
7. Can I activate 3D Secure for a business/company credit card?
Yes, all Visa and Mastercard credit cards can be registered for 3D Secure.
8. Can I use 3D Secure with a debit card?
No. 3D Secure doesn’t work with debit cards, only with Visa and Mastercard credit cards, which are accepted on most e-commerce websites in the world.