3D Secure (3DS) adds an extra layer of protection to online shopping. With 3DS enabled, you have 2-step authentication on every online purchase—so no payments will ever go through unless you authorize them yourself.
3D Secure is an additional step you can enable to happen every time a card transaction is made online. It enhances security measures for shoppers and vendors alike. When you turn on 3D Secure, you’ll be asked to validate every transaction with your PIN code.3D stands for “three domains.” The first is the card issuer; second, the retailer receiving the payment; and third is the 3DS infrastructure platform that acts as a secure go-between for the consumer and the retailer.
When you make a payment for an online purchase, 3DS technology gauges if further safekeeping is needed to make sure that you are the rightful card owner. If so, you’ll be directed to a 3DS page and asked for a password or PIN. Simultaneously, your bank generates a one-off PIN and sends it to your phone via SMS. This is the PIN you’ll need to enter before you can complete the transaction.
Mastercard SecureCode is a free 3D Secure security tool, similar to using a PIN at a checkout. When using your Mastercard online, you may need to identify yourself as the authorized card owner. With SecureCode, your bank generates a one-time code that is sent to your mobile phone via SMS. Enter the code and the payment is complete. Mastercard encrypts all your card and personal details, so it is never passed on to third parties. All N26 debit Mastercards come with 3DS technology.
At N26 we offer free 3D Secure protection using Mastercard SecureCode with every account. 3D Secure is automatically triggered as soon as you activate your N26 Mastercard debit card through the app. When you make a card payment online, 3D Secure confirms the transaction in seconds, notifying you in a push notification.Whether you’re using your virtual N26 Mastercard, a brightly colored plastic card, or a sleek card made of stainless steel, you’ll always be protected.
In addition to 3DS, your N26 banking app uses three additional layers of high-tech security for maximum protection.With secure login, your app login requires a username and password, fingerprint ID, or face recognition. Then, every time you make a transfer, you’ll be asked for your personal 4-digit PIN.Plus, receive push notifications whenever money goes in or out of your account, so you’re always aware what’s going on with your balance.
We never discuss account details with our customers without first confirming their identity. We’ll always ask security questions with answers unique to you to make sure we’re talking to the right person.
Also, we’d never ask you for card details over the phone or chat—always remember to keep this information private.
For N26 banking support, contact our Customer Support specialists through the in-app chat function or by emailing support@n26.com.
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This is a one-time use code generated through Mastercard SecureCode technology, for added security for card holders. This 3D Secure process is an additional way to authenticate the identity of the card owner by providing the code at checkout. It is usually sent via SMS to the user’s cell phone.
3D Secure is an additional layer of card holder authentication on online card transactions. If a card holder is making a payment online and the bank detects that the transaction might be suspicious, the bank card issuer redirects them to a 3DS page for extra verification. The bank then asks them to provide a password or PIN. Once this is entered, the purchase is completed.
Two examples of 3D Secure protection platforms are Visa Secure and MasterCard SecureCode. Both use 3DS technology as a further layer of consumer protection, to shield card holders from fraud and counterfeiting.
When making an online purchase with your Mastercard, during the checkout process you may be prompted to give a unique passcode. This is a one-time passcode (or OTP) and it’s generated by your bank and sent to your cell phone via SMS.
To quickly check if a merchant or vendor you are making a payment with is 3D Secure compliant, look for the Verified by Visa or Mastercard SecureCode logo on their site.
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