Card Holders shops on the Merchants Website
Card holders are requested to enter their card details on the Merchants website/on the hosted payment page of their Payment Gateway
Card Holder is redirected to their Card Issuing Banks Authentication Page
Card Holder is smsed /emailed their One Time Pin (OTP)
Card Holder enters their One Time Pin
Transaction is completed
3 D Secure has the following benefits for the Merchant:
Reduces the amount of Chargebacks as the liability shifts back to the Card Holder
The Verified by Visa /Mastercard Secured logo adds an extra level of confidence in making a secured transaction.
3 D Secure for Card Holders
Card holders can be assured that by authenticating each transaction with their OTP, they have an extra layer of protection when shopping online.
The following Card Types subscribe to 3 D Secure in South Africa:
- American Express (Safekey)