{"id":3603,"date":"2015-01-07T14:56:00","date_gmt":"2015-01-07T12:56:00","guid":{"rendered":"http:\/\/localhost\/helpcentre\/?p=3603"},"modified":"2025-12-19T13:52:27","modified_gmt":"2025-12-19T11:52:27","slug":"what-is-3d-secure","status":"publish","type":"post","link":"https:\/\/xneelo.co.za\/help-centre\/accounts-and-payments\/what-is-3d-secure\/","title":{"rendered":"What is 3D Secure?"},"content":{"rendered":"<p>3 Domain Security (3D Secure) is a service facilitated by <strong>Visa and Mastercard<\/strong> to protect card owners from unauthorised online transactions by requiring a One Time Pin (OTP) for each online transaction. When a payment is approved by the issuing bank the payment may not be charged back\/reversed, which in turn protects the vendor.<\/p>\n<p>3D Secure is activated with ABSA, FNB, Standard Bank and Nedbank.<\/p>\n<p><b>How do I register for 3D Secure?<\/b><\/p>\n<p>The registration process may vary depending on the bank you use. If registration is required, it is a once-off process. Please review your bank\u2019s website for more details:<\/p>\n<ul>\n<li><a href=\"http:\/\/www.standardbank.co.za\/standardbank\/\" target=\"_blank\" rel=\"noopener noreferrer\">Standard Bank<\/a> &#8211; 0861 201 311<\/li>\n<li><a href=\"http:\/\/www.nedbank.co.za\/website\/content\/promotions\/index_detail.asp?promoID=720\" target=\"_blank\" rel=\"noopener noreferrer\">Nedbank<\/a> &#8211; 011 710 4710<\/li>\n<li><a href=\"https:\/\/www.fnb.co.za\/downloads\/online-banking-documentation\/OnlineSecure-faq-fnb.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">FNB<\/a> \u2013 011 369 2999<\/li>\n<li><a href=\"http:\/\/www.absa.co.za\/Absacoza\/Security-Centre\/Online-Security\/Online-Shopping-and-3D-Secure\" target=\"_blank\" rel=\"noopener noreferrer\">ABSA<\/a> &#8211; 012 317 3344<\/li>\n<\/ul>\n<p>Mastercard\u2019s product is called \u201cSecureCode\u201d and Visa\u2019s product is called \u201cVerified by Visa\u201d.<\/p>\n<p><b>Is 3D Secure required on all payments?<\/b><\/p>\n<p>Yes. The cardholder will be required to authenticate the payment using the One Time Pin (OTP). In order to make an online card payment to us (as we are 3D Secure compliant), you must be registered with your bank with this service activated on your card (see above for more detail). This is a once-off process that takes place in the secure environment of your bank.<\/p>\n<p><b>How does 3D Secure work?<\/b> <b><br \/>\n<\/b><\/p>\n<p>A customer enters their card details when making a payment. They are diverted to the bank that issued the card so that the cardholder can be authenticated, proving that the cardholder is entitled to use the card.<\/p>\n<p>\u2018Verified by Visa\u2019 or \u2018SecureCode\u2019 authenticates the cardholder by asking for a One Time Pin (OTP) that is sent to the authorised contact as per the cardholder\u2019s settings at the applicable bank (i.e. via SMS or email). If the issuing bank is satisfied with the unique pin that is provided, an authentication receipt is presented to the merchant bank along with the authorisation request, allowing the transaction to continue.<\/p>\n<p>If the card\u2019s issuing bank rejects the OTP, the cardholder will need to contact their bank directly.<\/p>\n<figure style=\"text-align: center; float: left;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone\" src=\"https:\/\/xneelo.co.za\/wp-content\/uploads\/2015\/12\/28120743\/3dsecure-image.jpg\" alt=\"3D Secure\" width=\"297\" height=\"199\" \/><figcaption>3D Secure Process<\/figcaption><\/figure>\n<p>We make use of t<span style=\"font-weight: 400;\">he Direct Pay Online Group (DPO)<\/span> as an online credit card vendor and they are 3D Secure compliant and are also the first South African payment gateway to be certified by both Mastercard and Visa for 3D Secure transactions through First National Bank, Standard Bank, and ABSA.<\/p>\n<p>\u20183D Secure\u2019 refers to three parties involved in online payment security, they are:<\/p>\n<p>&nbsp;<\/p>\n<ol>\n<li>The Merchant\u2019s bank<\/li>\n<li>The Card Association\u2019s financial networks, which are Mastercard and Visa<\/li>\n<li>The Issuing or Cardholder\u2019s bank<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false,"plain":"3 Domain Security (3D Secure) is a service facilitated by <strong>Visa and Mastercard<\/strong> to protect card owners from unauthorised online transactions by requiring a One Time Pin (OTP) for each online transaction. When a payment is approved by the issuing bank the payment may not be charged back\/reversed, which in turn protects the vendor.\r\n\r\n3D Secure is activated with ABSA, FNB, Standard Bank and Nedbank.\r\n\r\n<b>How do I register for 3D Secure?<\/b>\r\n\r\nThe registration process may vary depending on the bank you use. If registration is required, it is a once-off process. Please review your bank\u2019s website for more details:\r\n<ul>\r\n \t<li><a href=\"http:\/\/www.standardbank.co.za\/standardbank\/\" target=\"_blank\" rel=\"noopener noreferrer\">Standard Bank<\/a> - 0861 201 311<\/li>\r\n \t<li><a href=\"http:\/\/www.nedbank.co.za\/website\/content\/promotions\/index_detail.asp?promoID=720\" target=\"_blank\" rel=\"noopener noreferrer\">Nedbank<\/a> - 011 710 4710<\/li>\r\n \t<li><a href=\"https:\/\/www.fnb.co.za\/downloads\/online-banking-documentation\/OnlineSecure-faq-fnb.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">FNB<\/a> \u2013 011 369 2999<\/li>\r\n \t<li><a href=\"http:\/\/www.absa.co.za\/Absacoza\/Security-Centre\/Online-Security\/Online-Shopping-and-3D-Secure\" target=\"_blank\" rel=\"noopener noreferrer\">ABSA<\/a> - 012 317 3344<\/li>\r\n<\/ul>\r\nMastercard\u2019s product is called \u201cSecureCode\u201d and Visa\u2019s product is called \u201cVerified by Visa\u201d.\r\n\r\n<b>Is 3D Secure required on all payments?<\/b>\r\n\r\nYes. The cardholder will be required to authenticate the payment using the One Time Pin (OTP). In order to make an online card payment to us (as we are 3D Secure compliant), you must be registered with your bank with this service activated on your card (see above for more detail). This is a once-off process that takes place in the secure environment of your bank.\r\n\r\n<b>How does 3D Secure work?<\/b> <b>\r\n<\/b>\r\n\r\nA customer enters their card details when making a payment. They are diverted to the bank that issued the card so that the cardholder can be authenticated, proving that the cardholder is entitled to use the card.\r\n\r\n\u2018Verified by Visa\u2019 or \u2018SecureCode\u2019 authenticates the cardholder by asking for a One Time Pin (OTP) that is sent to the authorised contact as per the cardholder\u2019s settings at the applicable bank (i.e. via SMS or email). If the issuing bank is satisfied with the unique pin that is provided, an authentication receipt is presented to the merchant bank along with the authorisation request, allowing the transaction to continue.\r\n\r\nIf the card\u2019s issuing bank rejects the OTP, the cardholder will need to contact their bank directly.\r\n<figure ><img class=\"alignnone\" src=\"https:\/\/xneelo.co.za\/wp-content\/uploads\/2015\/12\/28120743\/3dsecure-image.jpg\" alt=\"3D Secure\" width=\"297\" height=\"199\" \/><figcaption>3D Secure Process<\/figcaption><\/figure>\r\nWe make use of t<span >he Direct Pay Online Group (DPO)<\/span> as an online credit card vendor and they are 3D Secure compliant and are also the first South African payment gateway to be certified by both Mastercard and Visa for 3D Secure transactions through First National Bank, Standard Bank, and ABSA.\r\n\r\n\u20183D Secure\u2019 refers to three parties involved in online payment security, they are:\r\n\r\n&nbsp;\r\n<ol>\r\n \t<li>The Merchant\u2019s bank<\/li>\r\n \t<li>The Card Association\u2019s financial networks, which are Mastercard and Visa<\/li>\r\n \t<li>The Issuing or Cardholder\u2019s bank<\/li>\r\n<\/ol>\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;"},"excerpt":{"rendered":"<p>3 Domain Security (3D Secure) is a service facilitated by Visa and Mastercard to protect card owners from unauthorised online transactions.<\/p>\n","protected":false},"author":7,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"lsx_disable_title":"0","_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[189],"tags":[],"topics":[],"class_list":["post-3603","post","type-post","status-publish","format-standard","hentry","category-accounts-and-payments"],"acf":[],"additional_meta":{"category_title":[{"term_id":189,"name":"Accounts and Payments","slug":"accounts-and-payments","term_group":0,"term_taxonomy_id":189,"taxonomy":"category","description":"Everything your need know about your web hosting account and hosting costs\/payments","parent":0,"count":67,"filter":"raw","term_order":"51","cat_ID":189,"category_count":67,"category_description":"Everything your need know about your web hosting account and hosting costs\/payments","cat_name":"Accounts and Payments","category_nicename":"accounts-and-payments","category_parent":0}],"tag_title":false},"featured_image_src":null,"author_info":{"display_name":"marketing","author_link":"https:\/\/xneelo.co.za\/help-centre\/author\/marketing\/","author_avatar":"https:\/\/secure.gravatar.com\/avatar\/a6ea315e112423b2b955cb020fbce2b0835956c6ad85ff0f13f1db298977eaaa?s=96&d=mm&r=g"},"_links":{"self":[{"href":"https:\/\/xneelo.co.za\/help-centre\/wp-json\/wp\/v2\/posts\/3603","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/xneelo.co.za\/help-centre\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/xneelo.co.za\/help-centre\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/xneelo.co.za\/help-centre\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/xneelo.co.za\/help-centre\/wp-json\/wp\/v2\/comments?post=3603"}],"version-history":[{"count":0,"href":"https:\/\/xneelo.co.za\/help-centre\/wp-json\/wp\/v2\/posts\/3603\/revisions"}],"wp:attachment":[{"href":"https:\/\/xneelo.co.za\/help-centre\/wp-json\/wp\/v2\/media?parent=3603"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/xneelo.co.za\/help-centre\/wp-json\/wp\/v2\/categories?post=3603"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/xneelo.co.za\/help-centre\/wp-json\/wp\/v2\/tags?post=3603"},{"taxonomy":"topics","embeddable":true,"href":"https:\/\/xneelo.co.za\/help-centre\/wp-json\/wp\/v2\/topics?post=3603"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}