3D Secure (Secure Shopping)
Homepage 3D Secure (Secure Shopping)
What is 3D Secure?

Do you know what details are in the background of the section where you can purchase any product or service with a single click on the internet? How internet security is provided and how card information and personal data are protected often occupy our minds. How can we prevent our card from being used in other transactions without our permission? Here is a secure payment system that first comes to mind against this concern: 3D Secure.

Almost all banks’ 3D Secure system prevents fraud methods such as copying credit and bank card information, stolen card usage, and general instructions in internet shopping to a great extent. So let’s take a closer look at what 3D Secure is, what kind of effort it involves, and what the collection is…

What is 3D Secure?

3D Secure, as its name suggests, is a 3D security protocol. It verifies and protects the information records between the cardholder, website (business) and the bank, which form the three legs of internet shopping, with special passwords and keys. It takes its name from an encryption that expands these three areas. It is the most preferred secure payment system because it is supported by Visa and MasterCard, the world’s largest card providers.

How Does 3D Secure Work?
A screen model appears where we can collect cards when purchasing a service or product. After verifying our information, we are directed to the 3D Secure display during payment. Here, an OTP (single encrypted password) is sent by the bank to the cardholder’s mobile phone via SMS. This password, which is valid for a certain period of time, cannot be sent to anyone other than the cardholder. In this way, the card is prevented from being used without the cardholder’s permission. The incoming password payment is recorded and thus the cardholder is both verified in storage and the purchase transaction is approved. After the payment made by the bank, the payment is made to the recipient. The cardholder is notified via e-mail/SMS that the transaction has been successfully completed.

This password, which is valid for a certain period of time, cannot be sent to anyone other than the cardholder. In this way, the card is prevented from being used without the cardholder’s permission.

What are the identities of the 3D Secure system?
Some of the 3D Secure system systems are as follows:

Security: The most important advantage is to offer high-level security in online shopping.

Confidence: Thanks to 3D Secure, users’ card information is protected, making shopping easier.

Preventing abuse: In the event that the card is stolen or lost, it becomes difficult for a malicious person to make a transaction.
Ease of use: Registration processes are usually simple and fast, many banks activate this service automatically.

Things to consider when using 3D Secure

Things to consider when using 3D Secure are as follows:

Secure connection: Make sure that the site where the transaction will be made is secure. (It should start with https).

Private information: Do not share your 3D Secure password with anyone.

Up-to-date information: The phone number and e-mail address of your bank records must be up-to-date.
Information messages: Review the transactions received from your bank and make sure you are using it for the right transaction.

What do you want to pay attention to on sites where you want to make transactions with your 3D password?
When shopping online with a credit card, whether using 3D Secure or other methods, pay attention to the following issues.

Site link: Read the site’s operations and reviews before making a purchase.

Privacy policy: Check the site’s privacy policy and graphic.

SSL certificate: The site must have an SSL certificate. This indicates that the data transfer is encrypted. You can verify if a site has an SSL certificate by checking it. If the site’s URL starts with “https”, the site has an SSL certificate. However, if it starts with “http”, the site does not have an SSL certificate.

Extremely cheap products: Beware of unrealistic discounts and offers.