Making an online transaction with a credit card requires the card number, the expiry date and the visual cryptogram. The visual cryptogram is the 3 numbers on back of your card requested to perform online payments. But this information can be easily and copied, allowing NOC (No Card Present) fraud schemes. With 3D Secure, additional information will be requested to confirm that you are the owner of the card. Someone who would copy your card information or even would steal your card could not make purchases from retailers supporting 3D Secure because he doesn’t know the additional information.
The 3D Secure service is completely free of charge. Two conditions must be fulfilled to use the service: the online retailer must support 3D Secure – the logo ViSA SECURE, and MasterCard SecureCode is displayed on the retailer’s web site – and your credit card must first be activated.
The activation process is very easy: follow your Bank’s activation recommendations.
For example, for ING, simply activate the “3D Secure” service by registering your Visa card in your mobile app My ING (“My Security” space) using LuxTrust Mobile authentication.
If you don’t have My ING yet, contact your branch for assistance with the steps to take.