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How to pay safely online? What is 3D Secure 2.0?

Izabel Yordanova 25 August, 2021

The Internet is a kind of magical place of abundance where you can get almost everything you need, as long as you have money. In just a few seconds, you can order a delicious lunch, a beautiful accessory, a stylish outfit, а new computer, a theatre ticket, and so much more. Now online payments with cards issued by iCard are even easier and more secure.

 

Abra Kadabra!

 

Online payments with iCard: as magic tricks

 

We have implemented 3D Secure 2.0 to increase the level of security of online payments with our cards and to guarantee you full protection of your data and money in the iCard digital wallet.

 

You can confirm every online transaction with iCard in two easy steps – now, it’s even faster than before. Enjoy secure online shopping on favourite websites and apps. Feel safe even when you shop from other online merchants that you have discovered recently and still do not fully trust their services. 3D Secure 2.0 is one of the most secure solutions for online shopping.

 

online order

 

3D Secure 2.0 – the best protection for online transactions so far

 

3D Secure 2.0 adds another level of security to your payments made with iCard to online merchants participating in “Visa Secure” and “Mastercard ID Check” programmes that help prevent card-not-present fraud.

 

What requirements must be met with the 3D Secure protocol? For a secure checkout, you should go through an additional step to confirm the payment – this is the so-called Strong Customer Authentication (SCA). But here is the simple explanation: with this method, you can prove that the transactions to be made with your card are yours, and no one else is trying to use the funds in your account.

 

What has changed since we integrated the latest, improved version of the 3D Secure for all our cards? With 3D Secure 2.0, you don’t have to enter a 6-digit code received via SMS in the application or on the website where you are making a purchase. Instead, now you can confirm your payment even easier – by tapping a push notification from the iCard mobile app.

 

Our data from 2020 show that 3D Secure 2.0 not only reduces the risk of fraud but also increases the number of completed online orders. 3D Secure 2.0 is free of charge and applies automatically to all online payments with any of your iCard cards – both plastic and virtual debit cards. After you proceed to the order and enter the card details, you will receive a push to confirm the transaction in the iCard app.You do not need to do anything additional to take advantage of this method. It works for you already.

 

man on a laptop

 

The benefits of 3D Secure 2.0

 

You can now confirm your online purchase even faster and easier.

 

Easier

You receive a push notification from the iCard app for every transaction you make online. Just click on the notification, and you will be able to confirm your payment directly in the application without entering an additional code or password. You can confirm your purchase even when your mobile device is not connected to the Internet.

 

Faster

Statistics show that 3D Secure 2.0 saves up to 85% of the time for each online transaction. Enjoy making secure online payments that save you time and effort.

 

 

How to confirm an online purchase with iCard?

 

Online payment confirmation now takes just a few seconds. Once you enter your card details and move forward, you will receive a push notification from the iCard mobile app. Here’s what to do next:

 

1.Open the notification (by tapping anywhere on it) and review all the details of your purchase again – the merchant’s name, the amount, date and time and the last four digits of the card number.

2.Confirm or decline the transaction.

3.Enter a security code or unlock the iCard app with your fingerprint or Face ID if you want to confirm the payment.

 

boy and girl ordering online

 

Done! Now you are fully prepared for safe shopping on the Internet. If you have any questions about online payments, find the answers here.

 

Your security will always be our priority! We guarantee you the highest levels of protection. You can be sure that each of your transactions is completely secure.

 

Download iCard and shop safely on all your favourite sites and in apps:

 

2

Izabel Yordanova

Isabel believes in the power of words and good stories. As Head of our Communications team, she builds strategies for iCard's best public presence.

More posts by Izabel Yordanova

2 comments

  • Goran Kavaja Reply 15/03/2022 at 3:16 pm

    How can i shop online if I don’t have all card digits? I have virtual cards , but there are some missing numbers.

    • Изабел Йорданова Reply 15/03/2022 at 3:25 pm

      Hello, Goran,
      You can open the app, “Wallet” tab, and select the virtual card you want to use. Then tap the “Show details” button if you want to see the card details. For easier checkout, just copy the card number and paste it on the website or in the app.
      If you need further help, we are here for you. 🙂

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__cfduid5 yearsCookie assoiated with sites using CloudFlare, used to speed up page load times. According to CloudFlare it is used to override any security restrictions based on the IP address the visitor is coming from. It does not contain any user identification information.Necessary
_ym_isad2 daysDetermines whether a user has ad blockersStatistical
_ym_uid1 yearUsed for identifying site users
_ym_dStores the date of the user's first site session
yandexuidUsed for identifying site users
i
yabs-sidUntil the session endsSession ID
yp10 yearsSets a unique ID for the session. This allows the website to obtain data on visitor behaviour for statistical purposes.
_gaexpDepends on the length of the experiment but typically 90 days.Used to record a person’s involvement in a website experiment e.g. an A/B test where half of our website users see one webpage, and the other half see an alternative version.
This helps us test that the changes we make to our site are actually making it better.
Statistical
_gcl_au3 monthsUsed by Google AdSense for experimenting with advertisement efficiency across websites using their services.
ajs_anonymous_id1 yearThese cookies are generally used for Analytics and help count how many people visit a certain site by tracking if you have visited before.
ajs_group_idThese cookies track visitor usage and events within the website.
ajs_user_idThis cookie helps track visitor usage, events, target marketing, and can also measure application performance and stability.
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fuid01These cookies compile anonymous information on users’ browsing on the website in order to know the origin of the visits and other similar statistical data. These cookies do not identify the user or compile any type of personal information.Statistical
IDE2 yearsGoogle also use one or more cookies for advertising we serve across the web. One of the main advertising cookies on non-Google sites is named ‘IDE‘ and is stored in browsers under the domain doubleclick.net. Another is stored in google.com and is called ANID. We use other cookies with names such as DSID, FLC, AID, TAID, and exchange_uid. Other Google properties, like YouTube, may also use these cookies to show you more relevant ads.Statistical
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_gid
1P_JAR
APISID
DV
HSID
NID
SAPISID
SID
SIDCC
SSID
UULE
__hssrcSessionWebsite usage statistics
__hstc2 yearsWebsite usage statistics
muc2 yearsUsed to facilitate Twitter functionality on our website and to:
- track user behaviour
- deliver and measure the performance of advertising
- enable sign-in
- personalise the Twitter experience across devices.
Statistical
ads_prefs
auth_token
csrf_same_site
csrf_same_site_set
dnt
eu_cn
external_referer
guest_id
kdt
personalization_id
remember_checked_on
tfw_exp
twid
act3 monthsYou have a Facebook account, these cookies will allow you to share content on the Inflectra site with your Facebook contacts. You will be also able to tell if you or your Facebook friends 'Liked' any content on the Inflectra site in the past. The cookies will also send some non personal data to Facebook to gather aggregate information on how people interact with websites that use the Like button.Statistical
c_user
datr
fr
locale
pl
presence
sb
spin
wd
xs