In the article, we will consider what 3D-Secure is on a bank card.
Slowly, but surely, the world is moving from the use of banknotes to cashless payments. Almost every person today has a plastic card with which you can pay for the services and purchases provided. Therefore, many citizens use convenient applications from banks on mobile phones, and someone has already made a smartphone with their electronic wallet.
Applying such innovations, people first of all want payments to be protected from system failures and scammers. One of the most reliable ways today is 3D-Secure technology on a bank card.
What is 3D-Secure?
This system is an XML protocol that is used as an additional security step for online payment by credit or debit card. In practice, everything looks very simple: when making purchases on the Internet, an SMS message with a numerical code arrives at the phone number attached to the plastic card, which must be entered in the payment form window to confirm the payment that the money transaction is made by its holder. Security is considered insufficient: if a fraudster steals a payment instrument and phone, he can easily spend money on certain purchases.
Why 3D?
This name with three-dimensional reality has nothing to do. This is a three-domain protection 3D - 3 Domains. The domains are:
- payment system;
- acquiring bank;
- issuing bank.
The 3D-Secure function on a bank card allows you to notify the holder of the moment of making a cash payment and at the same time identify it. In combination, this is called "authentication." If we consider special cases, in this way it is possible to make payments only in person or by a third party with the permission of the holder of the financial instrument.
Payment protection
Simply put, such a technology is the protection of payments and settlements conducted on the Internet using a plastic card. Its developer is Visa, however, a bit later, the mechanism of this protection system was adopted by other large systems.
Operating principle
To understand in more detail what 3D-Secure is on Sberbank's bank card, for example, it helps to present an algorithm for making a simple payment with similar protection:
- As soon as a person chooses to pay for services or goods on the Internet using a bank card, a form appears in front of him, in which the following data must be entered: name and surname of the holder, card number, expiration date, three-digit security code from the back. However, such information can easily be entered by a fraudster. If the card is without 3D-Secure, then the holder will not be able to make a remote purchase, since almost all stores and Internet services have switched to payment protection using this technology.
- In the second stage, before the actual calculation of the amount, it will be necessary to enter a secret code. It can be permanent or disposable. In Russia, a one-time version of the cipher is more common. Permanent codes are less reliable: a sequence of characters is easy to forget, lose this information. Moreover, there is a high probability that it will become known to strangers. It should be noted that when shopping online, the code entry page will be the same - typical for the issuing bank of a particular card. It contains basic information about the payment, a window for entering the cipher and the button "Send code".After the information has been sent, the necessary cipher should come to the mobile phone number associated with the payment instrument. As the bank warns, it cannot be communicated and shown to third parties. The code is entered in the purchase window.
Can I pay MTS with a credit card without 3D-Secure? Yes you can, but it’s better not to.
Which cards have 3D-Secure?
Basically, all foreign and Russian banks that cooperate with Visa, Mir and MasterCard payment systems issue plastic cards with this three-domain protection. The only exceptions are cards whose emission happened before the introduction of the technology into wide circulation. The reason for this is the fact that they are not intended for virtual shopping. There is only one solution: order a reissue of a plastic card in order to have a modern payment instrument. Domestic banks whose financial instruments support 3D-Secure security technology:
- Sberbank
- Binbank;
- VTB;
- "Post Bank";
- Tinkoff
- "Oriental";
- "Alfa Bank";
- "Russian standard".
People are often interested in what 3D-Secure is on a VTB bank card. This option is the same on payment instruments of all Russian banks.
How to find out 3D-Secure?
In accordance with international law, all banks that issue MasterCard and Visa cards are required to provide customers with access to this protection methodology. Finding out if a card is protected with this technology is pretty simple. It is enough to contact the issuing bank and ask all your questions. You can try to make some kind of purchase on the Internet. If a message with a special cipher did not come to the phone number associated with a financial instrument, this means that 3D-Secure protection is not activated. However, such a check is unreliable: Alfa-Bank, for example, automatically connects three-domain protection to its customers, however, it is available only for certain types of payments. To activate the full possibility of application, you need to visit a banking organization in person.
What is 3D-Secure on a bank card is now clear. How to connect it?
3D Secure Connection
First of all, you must remember that the activation of this method of protection is completely free for all plastic card holders, and this does not depend on the issuing bank. The only exception is if the holder decides to purchase a token that generates verification codes. How to install 3D-Secure on a bank card? Through a visit to the bank with a passport. You must write an application in the appropriate form to connect this option. In most cases, activation of such protection is offered immediately upon receipt of a plastic card.
If the payment instrument supports online purchases, bank employees cannot refuse to connect this protection system. In certain situations, customers, for example, in the case of moving abroad, need a reverse operation to disable the three-domain protection. This is also possible in only one way - by visiting a bank. However, in this case, the credit institution has the right to refuse the client to perform such a transaction. There is only one way out - for the mobile operator to disable the mobile number that is attached to the card. After it becomes unavailable, the protective technology regarding the plastic card will not work. In some Russian banks, you can attach a foreign phone number to a payment instrument.
Finally
3D-Secure technology is designed to protect financial savings on bank cards. Even if the holder does not plan to make purchases on the Internet in the future, you should still think about connecting it as a way to protect against illegal fraud. It is recommended that when activating the technology, one-time passwords be selected as confirmation ciphers, which become invalid after the introduction, which is why they are considered more reliable and secure.
Another important point is that you can not tell anyone the verification code that came on the phone, because recently there are more and more new fraudulent tactics for luring such information.
We examined what 3D-Secure is on a bank card.