3D Secure FAQs

It's an online security system which confirms your identify, by asking for a personal password which you create. It gives you the peace of mind that only you can use your card online to pay for things.

The 3D Secure program by American Express is called Safekey. SafeKey helps reduces unauthorised online use of your credit card before it happens by validating your identity with an additional password or unique value. You can read more about this by clicking here.

If you've not registered your card, before you make a payment you'll see a box showing either the Verified by Visa or MasterCard SecureCode logo, depending on your card type. You'll be asked to fill in a few details and when you want to activate your card. As an extra security measure, the box also displays the logo of the bank/building society that your card is linked to. Then, whenever you use your card to make a payment online, you'll be asked to enter the personal password you've chosen. This confirms your purchase (think of it like entering your PIN number online). Once your payment has been authorised, you'll see a confirmation screen.

You'll see a Verified by Visa and MasterCard SecureCode logo at the point you pay. This confirms that the website uses the system. If you've already registered your card, the system will automatically recognise your card details when you enter them. You'll then be asked for your personal password to complete your transaction.

No problem, it's easy to reset. You'll just need to go to your card issuer's website and follow the instructions for resetting your Verified by Visa or MasterCard SecureCode password.

You can register any of the Visa or MasterCard cards you've already got, or any new cards you receive in the future.

Yes. The types of card that can be registered depend on the bank that's issued them.These can include: Visa and MasterCard credit/charge cards, Visa Debit, Visa Electron, Visa Delta, Maestro, Switch, Solo and AMEX

For more information go to:

Verified by Visa

MasterCard Secure Code

3DS provides an added layer of security by prompting you for a one time password, (OTP) when you make an online purchase. This helps to protect against online fraud by verifying that the customer making the online purchase is the rightful owner of the credit/debit card.

No, this service is free.