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What is 3D Secure?
3D Secure is a fraud prevention initiative which was developed by Visa to reduce the risk of card fraud for internet payments, Visa refer to 3D secure as 'Verified by Visa' while Mastercard have also adopted a similar scheme called MasterCard SecureCode. Both schemes were designed to allow authentication of cardholders by their Issuing Bank.
3D secure is FREE to set-up
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How Does It Work?
You would create a FREE 'Internet Pin Code' which is then used to confirm you are the cardholder for internet transactions in much the same way your chip and pin confirms this with regular face to face transactions. This should reduce the likelihood of fraudulent usage of many Credit and Debit Cards and improve the overall shopping-online procedure. Once registered for 3D Secure, Visa or MasterCard will verify the shopper and if the code is correct the transaction will continue as normal and be sent to the bank for authorisation.
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What If I Have 3D Secure on My Card Already?
If you have already registered your card with your bank you can enter your 'Internet Pin Code' when asked to at checkout on our or other sellers websites. Please note the same number will do you for all your internet purchases the same as your normal chip and pin works for all high street shops. You do NOT need to create a new 3d secure code if you already have one.
Images 1 shows a sample screenshot showing the 3d secure request at checkout - Halifax is used as an example on this image however this should show your card provider or bank details when you entering your 3d secure number.
Image 1:
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How Do I Set Up 3D Secure for my Card?
If you do NOT have 3D Secure on you card at checkout you may be asked to enter a new 3d secure code or you may be asked to click on a link to be taken to your banks secure website to create one (the link would look along the lines of the 'I am not enrolled in Halifax Secure' link in above image (this would show your card providers name).
Please note the following before doing this:
* DONT make this pin the same as your regular chip and pin code
* ALWAYS check you are on your card issuers website before entering any account details
* ALWAYS check the banks website starts https:// and NOT http:// to show you are on a secure page
Images 2 shows a sample screenshot for setting up 3d secure on your card - Halifax is used as an example on this image however this should show your card provider or bank details when you are setting up 3d secure.
Image 2:
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What If I Don't Want to Add 3D Secure to My Card?
More and more online companies are insisting on customers having 3d secure set up for their card as it greatly reduces the risk of fraudulent transactions as only the card holder should know their 3d secure/internet pin number. If you are asked for a 3D secure number at checkout this is something your card provider has set up and not something that Beeunique has any control over.
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If you are in any doubt please contact us or
contact your
bank
direct to arrange set up of this 3d secure pin code.
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