Please Note: Your Credit Card needs to be registered for 3D Secure for you to be able to use the Sage Pay Service.
What is 3D Secure?
About 3 D Secure
3 Domain Security – is a new method of security mandated by the Card Associations to enhance the security of online transactions. Mastercard’s product is called “SecureCode” and Visa’s product is called “Verified by Visa”.
The 3D-Secure refers to three domains involved in the security they are
- the Acquiring or Merchant’s bank
- the Card Association’s financial networks ie Mastercard and Visa
- the Issuing or Cardholder’s bank.
Very simply the system authenticates the cardholder before the transaction takes place by diverting the browser to the bank that issued the card, who then request some secret, perhaps a pin, from their cardholder that will conclusively prove that this actually is the cardholder entitled to use this card. Once they are satisfied that this is their cardholder they issue an authentication receipt which is then presented to the merchants bank along with the authorisation request. If the transaction is then approved by the issuing bank they may not charge the transaction back to the merchant because the cardholder disputes the transaction as not being originated by them.
The Sage Pay Pay Now payment gateway pages are 3D Secure compliant and conform to the Verified by Visa and Mastercard Securecode online security platform.
So for those who frequently shop online and wish to ensure their credit card details may not be fraudulently used, you will need to sign up for 3D Secure – which is an added security measure (and verification procedure) employed by the major credit card issuers – before your card will be processed online. You will only need to enroll for 3D Secure once (for each credit card you own) to be able to safely shop online in the future. This is a 2 step process and can be instantly completed online via your bank’s website and is a necessary procedure to ensure peace of mind whilst making online purchases.
To create your secure code please contact the bank who issued you with your Credit Card.
Secure Code Division
0861 201 311
011 299 0540
011 354 4058
011 710 4710
FNB – verify accounts online
• Log on and go to – My Bank Account
• Click on your card
• Select – Activate online secure
• For more information you can contact Verify Visa – FNB – on 011 369 2999