3D Secure is otherwise known as Verified by Visa, Mastercard Secure Code, or American Express Safekey and is an additional fraud prevention tool that is mandatory in the UK from 14 March 2022.

What is 3D Secure?

3D Secure is an online version of password protection that is only available on ecommerce transactions.

When a shopper processes a transaction through an account with 3D Secure active, they are required to enter their password or OTP (one-time-password) verification in order for the details to be validated against the card they are using for the transaction.

There are 3 card issuers that currently support 3D Secure when transactions are being processed.

Verified by Visa
Supports all Visa cards as part of the 3D Secure scheme such as, Visa Credit, Debit, Delta, Electron.

Mastercard Secure Code
Supports all Mastercard issued cards such as, Mastercard Credit, Debit, UK Maestro, and International Maestro cards.

American Express SafeKey
Supports American Express issued cards through the scheme.

Is my card registered?

If a shopper has any of the above issued cards they will be able to register their card with 3D Secure, assign a password and a mobile number to be used when they process a transaction.

What do I do if it says ‘3D secure’ verification failed

In this instance please contact your bank / card provider before again trying to make payment. If this still fails please contact ISCA for support.