3-D Secure FAQs

What is 3-D Secure?

3-D Secure is an additional security layer for online credit and debit card transactions. It was developed by Visa with the intention of improving the security of internet payments and is offered to customers under the name ‘Verified by Visa’. Services based on the protocol have also been adopted by MasterCard as ‘MasterCard SecureCode’. 

How does it work?

3-D Secure adds an authentication step for online payments. The intention behind the system is that cardholders will have a decreased risk of other people being able to use their payment cards fraudulently on the internet. In most current implementations of 3-D Secure, your bank or card provider prompts you for a password that is known only to you and your bank. Since the merchant does not know this password and is not responsible for capturing it, it can be used by the issuing bank as evidence that the purchaser is indeed the cardholder.

Can I deposit funds using a card that is not 3-D secure enrolled?

Please note that for your added security, where possible, Delta Index will only accept deposits made from cards that are 3-D secure enrolled. If your card is not 3-D secure enrolled your deposit may not be accepted. Please contact your bank or card provider to enrol for 3-D secure.

Can Delta Index manually authorise a deposit attempt from a card that is not 3-D secure enrolled?

Delta Index cannot manually authorise a deposit if it has been declined or ring fenced due to the card not being 3-D secure enrolled. Please contact your bank or card provider for further information.

How do I sign up? / More information?

For further information please visit either Verified by Visa or MasterCard SecureCode at the links below.

http://www.visaeurope.com/en/cardholders/verified_by_visa.aspx

http://www.mastercard.co.uk/securecode.html