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How to activate 3D Secure

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How to activate 3D Secure: Recently a friend of yours was cheated on the Internet. Since you are also used to shopping online, you have been rather worried about what happened and so, after looking for some advice on how to avoid finding yourself in such an unpleasant situation, you came to know about 3D Secure , a protocol that is used already from many sites to guarantee users safe purchases. The information you have found so far, however, not only did not allow you to understand  how to activate 3D Secure , but they did not help you even to know what it is exactly. Don’t worry, let’s fix it now!

The 3D Secure service – which takes the name of  Mastercard SecureCode for cards that operate on the Mastercard circuit and Verified by Visa for Visa cards – is a security protocol that combines your credit card or prepaid card with a code of 6-digit “disposable” security, called OTP ( One Time Password ), which is sent via SMS to the telephone number that has been certified by your credit institution, thus significantly increasing the level of security of Internet transactions.

After understanding the utility of the 3D Secure protocol, you certainly can’t wait to activate and use it, do you? Very well, then make yourself comfortable, take all the time necessary to concentrate on reading the next paragraphs and, more importantly, implement the “tips” that I will give you. You will see, if you follow the instructions I will give you step by step, you will not have the slightest problem in activating this security protocol on your card. Enjoy the reading!

Activation of 3D Secure

The activation of 3D Secure basically consists of two steps: the first consists in certifying the mobile number on which you want to receive the OTP security code via SMS , the second in associating the certified mobile number with your credit card .

The procedure by which to certify the mobile number is almost identical for all credit institutions. To do this, in fact, you must go personally to your bank branch , bring a valid identity document with you and ask the consultant who will assist you that you want to certify your phone number to be associated with your credit card. The consultant of your bank will provide you with a form that you will have to fill in all its parts by entering all the required data – cell phone number in the first place – and sign.

After certifying the mobile number on which to receive the security codes, you will have to associate it with your credit card. The procedure may vary slightly from bank to bank, but basically here is what you will need to do. First of all, connected to your bank’s home page, press the Login button  and log in to your account by entering your access data in the appropriate text fields (if you find it difficult to access your home banking account, read the guide in which I explain in detail  how to access the online bank account ).

Once logged in, go to the card security section and select the one you want to associate with your phone number. Then enter the 16 digits corresponding to the credit card number or prepaid in the appropriate text field, press the Continue / Next button  and follow the instructions on the screen to complete the procedure (for example, you may be asked to confirm your mobile number by entering it in the text field or providing other information).

To conclude, affix the tick on the box I declare that I have read and accepted the conditions of the Verified by Visa Service or  I declare that I have read and accepted the conditions of the Master SecureCode Service , press again on Continue / Next and you’re done .

In other cases, the procedure the mobile phone number certified to your credit card could be even simpler: just access the 3D Secure Activation  or 3D Secure Management section of your account and follow the instructions that appear on the screen to complete the procedure . Unfortunately I cannot go into too much detail because the wordings of the various menus vary from one institution to another, but you will certainly be able to complete the activation, since it is a very simple operation to complete.

If not, however, you can contact your bank directly, perhaps with the help of the information you find in the last chapter of this post.

Using 3D Secure

Once the 3D Secure security protocol is activated, using it will be really simple. When it is time to make an online payment on the sites participating in the  MasterCard Secure Code  or  Verified by Visa , in addition to entering the payment card data, you will also be asked to enter the OTP ( One Time Password ): the code numeric that will be communicated to you from time to time by your credit institution via an SMS to the mobile number you have associated with your card.

To carry out the operation through your card, therefore, enter the data of the same in the fields relating to your credit card or prepaid card number and the CVV / CVV2 code (on the back of the card ). Then wait for the OTP code to be sent to you via SMS and enter it in the appropriate text field to complete the operation. Thanks to this code, only you will be able to validate the operations performed with your card: even if an attacker were to know the data of the same, in fact, he will not be able to perform any operation because, not having available the security code sent on your number phone, will not be able to continue the transaction.

I remind you that the OTP code you receive when you are about to perform an operation with your card on one of the 3D Secure member sites is valid only for a limited period of time. Therefore, enter the code in question as soon as you receive it, otherwise it will expire and you will have to use another one.

In case of problems or doubts

If you are reading this section of the article, I understand that something went wrong and you were unable to activate the 3D Secure security protocol . The best way to solve the problems you have encountered is to contact the customer service of your bank or, if you want to try to solve the situation yourself, consult the guidelines on the website of your credit institution.

Below is a list of the links to the assistance pages for the activation of 3D Secure of the main banks in Italy: locate your institution, press the link corresponding to the assistance page set up on its website and then carefully follow the instructions that will be sent to you provided to try to solve the problem.

If the information on the support pages that I linked to above does not help you, contact your bank’s customer care through the appropriate channels (e.g. telephone support, social assistance, etc.). If you do not know what the number dedicated to the assistance of your credit institution is, do a search on Google (or on any other search engine ), typing terms such as ” telephone assistance [name of your bank] ” or ” number customer service [name of your bank] “.

As soon as you will be able to speak with a consultant of your bank, explain the problems you have encountered regarding the activation of the 3D Secure protocol and scrupulously follow the instructions it will provide you to try to solve it.