What is 3D Secure? What are the advantages? How to Turn 3D Secure On and Off?

The widespread use of shopping via credit or debit cards on the Internet required high-level security measures to be taken. With the digitized life, cyber security measures have become more important than ever. 3D Secure has been one of the most effective developments in this field.

What is 3D Secure?

3D Secure is a three-dimensional security system developed by the world's largest card providers Visa and Mastercard. This security protocol, which enables shopping over the Internet, is one of the most preferred security supports. Information flow between the cardholder, the website where the shopping is made and the bank during internet shopping with the 3D Secure application; It is authenticated and protected with private passwords and keys.

How to Open 3D Secure Transaction?

You do not need to make any application for the 3D Secure opening process. For İşbank 3D Secure registration, your mobile phone number must be registered in the system. When your mobile phone number changes, you must update your bank records.

So, how is 3D Secure used in shopping? A screen appears where card information is entered at the payment stage of your online shopping. In secure shopping sites, the user is directed to the 3D Secure screen after the card information is verified. A one-time password is sent to the cardholder's mobile phone by the bank. The password in the message called "Personal Assurance Message" is written in the password section on the 3D Secure screen and shopping can be completed after it is approved by the bank. The password sent to the mobile phone via SMS must be entered within the specified time, otherwise it will lose its validity. In such a case, the user may request a second password. During online shopping, the user has the right to request a maximum of 3 disposable SMS messages. Entering the password incorrectly 3 times in a row will result in the cancellation of the transaction.

Turning off 3D Secure

3D Secure application depends on the user's request and is not a mandatory security system. When you do not want to benefit from the service, you can request the application to be closed by calling the İşbank phone branch for the 3D Secure shutdown process. Your request will be processed in line with your request and your card will be closed for 3D Secure transactions following its approval. However, 3D Secure is an extremely effective measure for online shopping. You can use İşbank MaxiNet for online shopping and further increase your transaction security with 3D Secure.

What are the Advantages of 3D Secure?

3D Secure offers special advantages for both cardholders and businesses.

The benefits for cardholders are:

• Bank customers who shop online can prevent unannounced transactions with the one-time password sent to their mobile phones during payment.
• Even if the bank or credit card is in the hands of third parties, malicious people are prevented from shopping online.
• Both personal and card information of the card holder are protected.
• Security risks are minimized as all payments are verified with three-dimensional security.
• Its application is practical, easy and extremely fast.

The advantages of 3D Secure to businesses are as follows:

• The 3D Secure application increases the reputation and reliability of the company and is an important reason for preference.
• The consumer's request for a refund for a possible fake 3D Secure payment transaction concerns the bank, and the business does not have any responsibility.