Online transactions and 3D Secure

You’ve probably come across 3D secure (or 3DS) authentication when shopping online without knowing it. It’s that great verification pop-up that usually shows your Bank’s name or the VISA/Mastercard logo. The box appears at check out after you enter your card details, then keeps you anxiously awaiting the confirmation screen that says your order has been placed. 

But what’s that box really doing? Well, it’s verifying that you are who you say you are. It’s a fraud prevention measure that helps to protect businesses and customers from having their details stolen when making online purchases. 
How does it work? 
3DS is an authentication process for online payments, it appears during the checkout process after you’ve entered your card details. 

3DS is initiated by the website where you’re making your purchase (this is called the merchant). So if you attempt to make a purchase on a website that has 3DS enabled, we’ll tell them that it’s really you, the cardholder, making the purchase. 

Not all merchants are 3DS enabled. You’ll be able to see the Verified by Visa or Mastercard SecureCode logo on any site wherever 3DS is enabled. 

WeSwap and 3DS 
When you’re using your WeSwap card online on a 3DS enabled website, once you’ve entered your card details at the checkout, the below pop up will appear: 

To complete the transaction, you will need to enter a One Time Passcode (OTP). 
The OTP is a 6-digit code and will be sent via SMS to your verified mobile.  
If you don’t receive the OTP, don’t worry, there’s a resend button. 

The OTP is valid for 3 minutes and you have 3 attempts to get it right. If you enter it wrong 3 times, the transaction will fail, and you’ll need to restart the payment process to have a new OTP generated.  

To receive the OTP, and complete the transaction, you must have your mobile number verified. You can verify it in the App or Website. 

There’s no registration required, 3DS will automatically be enabled on your WeSwap card. 

Want to know more? Check out our dedicated FAQ with the most common questions on the 3D Secure. 


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