A Guide to 3D Secure (Verified by Visa and MasterCard SecureCode)
What is 3D Secure?
3D Secure stands for ‘Three Domain Secure’ – the payment industry’s internet authentication standard. Visa have called their version ‘Verified by Visa’ or VBV for short and MasterCard have called their equivalent ‘MasterCard Secure Code’.
3D Secure can be thought of as an online version of ‘Chip and Pin’ technology, whereby the cardholder has a personalised password registered against their card that is then entered during the deposit process.
3D Secure authentication requires you, the cardholder, to register your card to take advantage of this service. This is a once off process (per card) which takes place on the card issuer’s website or at the point of deposit. You select a password which will then be used by your card issuer to authenticate each online transaction.
How does 3D Secure work with 32Red Poker?
Each time you attempt a transaction using 32Red Poker our banking system will automatically check to see if your card is enrolled in the 3D Secure scheme.
If your bank is participating in this scheme, you will be taken to their secure website, See Screenshot 1, where you enter your 3D Secure password, see Screenshot 2. The payment is then taken as normal and you will then be smoothly delivered back to the banking confirmation page.
If your bank is participating in the 3D Secure scheme but you have not yet enrolled, by default, you will be offered the opportunity to register, see Screenshot 3. You can then sign up for 3D Secure and proceed with the transaction or decline to sign up and proceed with the transaction as normal.
32Red Ltd will attempt a 3D Secure check on each card transaction, if your bank is not currently participating in the 3D Secure scheme, the transaction will be processed without 3D Authentication.
Which cards are checked for 3D Secure?
- Visa Debit
- Visa Electron