South African banks and E-commerce merchants are implementing 3D Secure to help protect you, the cardholder, against unauthorised use of your card when shopping online at 3D Secure merchants.
3D Secure allows you to authenticate yourself while making an online payment, therefore minimising the risk of someone else using your card fraudulently.
What is 3D Secure?
What can you expect when doing an online 3D Secure purchase?
If you have already registered or have been registered by your bank, you will be prompted with an additional screen requesting a One Time PIN (OTP) or a PIN/Password. OTPs are sent to the cellphone number your bank has on record for you, whilst a PIN or Password is a secret code you have chosen when you registered for 3D Secure or was provided to you by your bank at the time of issuing your card. Simply enter the OTP, PIN or password in the given space and proceed.
If it is your first time doing an e-commerce transaction, or you are a regular e-commerce user but have never registered or been registered for the 3D Secure service, you will be asked to register for 3D Secure when you make an online purchase. Please follow the prompts on the screen to register. Remember, it is in your best interest to be safe.
What does 3D Secure cost?
There is no cost to you, the cardholder. Visa, MasterCard and the banks fund all SMS and other costs.
What is the benefit of 3D Secure?
Online shopping is already very secure with high levels of security and encryption whenever you use your credit card. 3D Secure is the next layer up of security whereby your credit card is further protected from any unauthorised use. So you can shop in total confidence safe in the knowledge that your card is protected at all times.
How do I enroll for 3D Secure?
ABSA, Nedbank, Standard Bank, First National Bank and Investec have pre-enrolled all Visa and MasterCard credit card clients for 3D Secure. All that you need to do is activate your card once. You can do so by contacting your bank, or you will be invited to do it at a later stage when conducting an online purchase.
Does every South African online retailer use 3D Secure?
Visa and MasterCard as well as the major South African Banks will require all merchants to implement 3D Secure by the 28th February 2014. After this date, 3D Secure will become part of the online shopping process for all South Africans. This is a good thing as, while it may take a few seconds longer for each transaction, it will certainly strengthen the security of online shopping via credit card.
My bank is not listed - how do I enroll for 3D Secure?
Please contact your bank to find out how you can enroll for 3D Secure on your credit card. Certain credit card issuers, such as American Express and Diners Club, do not subscribe to 3D Secure yet which is the reason why we do not accept them. These cardholders are not be required to enter a One-Time Pin or Password when transacting online so are not protected from online fraud in the same way as MasterCard and Visa cardholders are.
I have activated my credit card for 3D Secure. What happens the first time I use the card to make an online purchase?
When you select to pay by credit card at checkout, you will be prompted to enter your credit card details. The bank that issued your credit card will then require that you verify that you are in fact the correct cardholder (for example by entering your pin code or one-time password).
What if I do not want to activate my credit card for 3D Secure?
If you do not activate your credit card for 3D Secure before it becomes mandatory, you will be required to pay for your goods or services via alternative online payment methods supported by the merchant website (e.g. EFT).
My card is blocked. How do I reactivate my card for 3D Secure?
This depends on your bank. However, in most cases your bank will lock your card after three unsuccessful attempts as a safety mechanism against fraud. If this occurs, please contact your bank’s helpdesk using the toll-free number on the back of your card.
What if I suspect fraud on my card?
In this case, please block your card as quickly as possible by contacting your Bank Client Services or Card Fraud division, both of which are available 24/7. Once the card is blocked, you will no longer be able make purchases (online, shops) with your card or use it to withdraw cash at the ATMs.
Tips for a good 3D Secure experience
What if I have more questions related to 3D Secure?
If you have questions related to 3D Secure process or need to change your mobile number, please contact your bank for assistance.