Activating 3D Secure for Your Card
Introduction
At Secure Privacy, we aim to provide secure payment experiences through Stripe, our payment gateway. Sometimes, your transaction may require 3D Secure (3DS) authentication, which is managed by your card issuer or a security provider. This step enhances payment security and often requires action from you as the cardholder to activate it.
- Acquirer Domain: The bank and merchant receiving the payment.
- Issuer Domain: The cardholder's bank.
- Interoperability Domain: The infrastructure enabling secure communication between the acquirer and issuer, such as the payment gateway.
When a customer initiates an online transaction, they are prompted to verify their identity through methods like one-time passwords (OTPs), biometrics, or app-based authentication. This ensures that only the rightful cardholder can authorize the payment, reducing fraud and unauthorized transactions.
Because 3D Secure activation is outside the control of Secure Privacy or Stripe, you’ll need to follow country-specific processes. Below is a guide on activating 3D Secure for your card in India, the United States, and European countries, organized alphabetically for convenience.
How to Activate 3D Secure on Your Card
1. India
3D Secure is mandatory for online transactions in India. Banks implement it under names like Verified by Visa (VBV) or Mastercard SecureCode.
- Steps:
- Log in to your bank’s Net Banking Portal or mobile app.
- Go to Card Services or Online Payments Settings to activate 3D Secure.
- Contact customer support if needed.
- Examples: Banks such as SBI, ICICI, and HDFC pre-enable 3D Secure features upon card issuance.
2. United States
3D Secure is less commonly enforced in the US but is available for enhanced security.
- Visa and Mastercard:
- Confirm with customer support if Verified by Visa or Mastercard Identity Check is enabled.
- Request activation through your online banking portal or app if necessary.
- Amex/Discover: Check with customer support for similar authentication services.
3. South Africa
3D Secure (3DS) Mandatory in South AfricaIn South Africa all transactions are mandated by PASA (Payments Association of South Africa)
FAQ - Payment Association of South Africa (PASA)
to go through a 3D Secure process to authenticate the payment in question for compliance and security reasons.
3D Secure - FAQ
https://pasa.org.za/wp-content/uploads/2023/05/3d-secure-consumer-faq-1.pdf
4. Europe (Organized by Country)
Austria
- Most Austrian banks enable 3D Secure by default but allow verification or management via online banking.
- Contact customer support for any issues or to confirm activation.
Belgium
- Banks like KBC and BNP Paribas Fortis offer Verified by Visa and Mastercard SecureCode.
- Activate 3D Secure via your bank’s mobile app or online banking portal.
Denmark
- Danish banks work with Nets for 3D Secure (e.g., Verified by Visa).
- Log in to your bank’s online banking or app to activate secure online transactions.
- Contact customer support if 3D Secure is not active.
Finland
- Finnish banks, in collaboration with Nets, typically enable 3D Secure during card issuance.
- Use your online banking portal or app to confirm activation or contact customer support.
France
- French banks often pre-enable 3D Secure.
- Manage settings via online banking under "Sécurité en ligne" or by contacting customer support.
Germany
- German banks support Verified by Visa and Mastercard Identity Check.
- Log into your online banking portal to activate it under “Online Payments.”
Italy
- Italian banks frequently enable 3D Secure by default.
- Contact customer support if it is not active or manage settings online.
Netherlands
- Dutch banks such as ING or ABN AMRO automatically enable 3D Secure.
- Confirm activation through online banking or contact customer support.
Norway
- Norwegian banks partner with Nets and BankID for online payment security.
- Log into your bank’s app to manage security settings or contact customer support.
Spain
- Spanish banks provide 3D Secure under Verified by Visa or Mastercard SecureCode.
- Check your card settings via online banking or customer support.
Sweden
- Swedish banks use BankID in combination with 3D Secure through Nets.
- Manage your card’s security settings via your bank’s app or online portal.
Other European Countries
For countries not listed individually, most banks within Europe follow the PSD2 Strong Customer Authentication (SCA) regulations, requiring 3D Secure by default. You can:
- Log in to your online banking or mobile app to manage 3D Secure settings.
- Contact your bank’s customer support if activation isn’t clear.
How to Execute a 3D Secure Payment in Secure Privacy
If you're a customer of Secure Privacy and need to complete a 3D Secure payment, follow these steps:1. Check Your Email
- Monitor your inbox for an email from Stripe containing a link to complete the 3D Secure authentication process.
2. Alternative Option—Access Billing Section
- If you don't find the email, log in to your Secure Privacy account.
- Navigate to Billing > Invoices and download the latest invoice.
3. Complete Payment Online
- Open the downloaded invoice and locate the Pay online link.
- Click on this link to proceed with the payment.
4. Authentication Prompt
- Follow the instructions on the secure page to complete the authentication process, which may involve entering an OTP or using another verification method.
Even after taking the above steps, should you face any issues completing the process, please reach out to support@secureprivacy.ai