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Behind the curtain of 3-D Secure: how your online payments are protected 🛡

November 14, 2019 by Hans Bousquet-Lafond
3D secure qonto cards

You know that small window that opens on your browser after a purchase to ask you to confirm it? Yes, the same window that puts you into a cold sweat if you don’t have your phone on hand.

That’s 3-D Secure.

No need to panic, it’s simply extra protection for you.

A few years ago, Visa and Mastercard developed this system together, to ensure that you are actually the holder of the card you just paid with. It means that even if your card has been stolen, no one will be able to make an online payment without your confirmation.

And it’s also security for online retailers. Thanks to this system, the amount of fraud has been significantly reduced. So, even if it’s not compulsory, most of them use it today.

It’s true, it’s still a very opaque technology. But we’ll explain it all to you, just read on. 👇

3-D Secure, border control for your online payments 👮

Imagine that you are going on holiday to Paris.

You have only just landed and you are already thinking about seeing the Mona Lisa, strolling down the Champs-Elysées and tucking in to some escargots. 🐌

Except that before your stay in the city of love, you have to go through border control.

It’s an intermediary positioned between your country (here, the USA) and the country you are visiting (France), to check your identity. Its role is to ensure that you are the same person that your passport says you are.

Well, 3-D Secure follows the same principle.

It’s an intermediary that is positioned between the issuing bank (the buyer’s bank, the one sending the money) and the receiving bank (the retailer’s bank, the one receiving the money), to check your identity. To do so, it asks you:

  • Either to enter a code received by text message (the most frequent method),
  • Or to confirm the transaction from your banking application.

In some specific cases, it may also ask you to answer a secret question, or to enter a security key. In fact, it only depends on your bank.

To recap, 3-D Secure double checks that you are the holder of the payment card that has just been used. As a result, it ensures that you stay in control of your spending. 🔒

text message 3D secure qonto cards

Qonto’s got your back

At Qonto, all payment cards are equipped with the 3-D Secure system. It doesn’t matter whether you have a Solo, Standard or Premium account.

When you make a payment with your Qonto card on a website that uses 3-D Secure, you are redirected to a verification window. You know, the one we were talking about at the beginning of this article.

To confirm the payment, you must enter the code that we have sent you by text message. It’s the method that we have chosen to check your identity. You then just need to make the payment.

This text message is sent to the telephone number you entered when you created your Qonto account. So you see, it’s essential that this number is kept up to date. 😉

N.B: If you have any doubts, we recommend that you check discreetly. You just need to go to your personal settings by clicking Settings.

If you have encountered any problems with online payments in recent months, it’s certainly due to the system’s gradual integration. But you can now have peace of mind: Qonto’s got your back. 🛡

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