What is 3D Secure?
You can buy the products you want on the internet without waiting in the queue. You can enjoy online shopping in a very short time with your credit card information. Even if you buy from trusted sites, it’s even scary that your card information is in the hands of third parties, isn’t it? Visa and MasterCard, two major financial giants, offer a proactive way of online shopping to further increase security measures and prevent potential problems: 3D Secure.
In order to increase the security of your purchases by credit card over the Internet, the 3D Secure application was developed by Visa and accepted by MasterCard. If you shop online with your Visa credit card, this application is called ız Verified by Visa Eğer. If you want to complete your purchase with your MasterCard credit card, this application will be called ist SecureCode Master. You can find detailed information about Visa and MasterCard here. Although the names differ, the main purpose is; When making the payment, we try to minimize the process objections called fraud, fraud or chargeback.
Let’s examine the operation and reliability of the 3D Secure system:
How does 3D Secure work?
If you want to shop online with a credit card, you need to open your card for online shopping. So you need to register your credit card in your bank system using internet banking. Some websites have the obligation to shop with the 3D Secure application, while others are left to your preference. If you make your payment using 3D Secure, you must enter the password from your bank to the site where you shop. If your password is correct, you can receive your payment confirmation from your bank and wait a few days for the cargo to steal your door. Although your card number is known to others, your third party will not be able to learn your password because it will come to the mobile phone number defined on your 3D Secure password card.
Why is 3D Secure Secure?
The requested password in the payments you make using the 3D Secure system is to verify the identity of the card holder. This way, you can prevent your card from being used when malicious people fall into their hands. When you pay by credit card in shopping centers, the password of your card and the 3D Secure password, which are used in online shopping, means that you approve your shopping. The password that comes to your phone; When you write correctly to the site you are shopping for, a payment receipt will be generated by the bank that proves your purchase, digitally signed. In this way, you are using a secure system like shopping with a pos device. The authentication process of the cardholder allows to minimize the chargeback and the possibility of fraud in electronic payment transactions. While members workplaces are protected from fraud, you can eliminate your concern for online shopping with your credit card.
What are the advantages of 3D Secure System?
To use the 3D Secure application in online shopping; If your card protects your information, you will only enjoy safe shopping. You can protect your card and yourself by making only one transaction on e-commerce sites you shop. Registration in 3D Secure will only take a few minutes via internet banking. After the registration process, you can complete your shopping without paying any worries by entering your password at the time of payment. No one will be able to shop online on your behalf; Because only you can know your password. Even when you shop from vulnerable websites, this system gives you control over your credit card, bringing your information closer to the risk of getting to malicious people. Another secure shopping application, virtual card, prepared by banks, is a system that reduces the possibility of theft. Click here for more detailed information about the virtual card.
The 3D Secure system provides convenience to consumers as well as virtual stores. Thanks to this system, stores provide the opportunity to understand whether the shopper is the real card holder. In this way, the possibility of misuse or complaint of transactions of online shopping sites will be significantly reduced. In addition, if the cardholder says kurtul this shopping has been done without my knowledge miş, the denial of the transaction has been prevented and the chargeback which we call olmadan chargeback olmadan will get rid of its costs. Finally, rather than shopping from unsecure websites, the increase in the number of users who use sites with the 3D Secure system is too numerous.
One of the most important discoveries of Visa and MasterCard, which facilitates our lives in every area, is the option to use 3D Secure, which is available on almost all shopping sites. More reliable, the most secure system in 3D Secure; If you are among the indispensable, your chance of being scammed will go down to zero. Even if your credit card is lost, no one will be able to shop using your card. If you lose your credit card, you can find out what you can do here. With this system introduced by the world giants, even the smallest security threat will not be a problem for you.