A Beginner’s Guide to 3D Secure Payments with SWIRL Mastercard
Safe and secure payments are what’s most important to our SWIRL Card customers while they shop online. With the number of online shoppers constantly rising, so does the risk of fraud and phishing scams. In order to fix this issue, 3D secure technology has become a standard for ensuring safe and secure online payments, which provides a positive shopping experience for you. This beginner’s guide will help you understand what 3D Secure payments are and how the SWIRL Mastercard utilises this technology to protect you, the consumer.
What is 3D Secure?
Understanding 3D Secure Payments
The term 3D Secure (3DS) refers to an additional layer of authentication consumers are asked to complete when making online credit and debit card transactions. This extra step reduces the risk of fraud and helps protect your funds. When you make a purchase online with your SWIRL card a card that supports 3D Secure, you’ll be prompted to enter a one-time password (OTP) or to complete an additional verification step before the transaction is approved.
Why 3D Secure is Important
3D Secure provides strong security to customers, by adding an additional step of authentication and reducing the risk of unauthorised transactions. This is particularly important for anyone who is a security-conscious online shopper, who might be worried about their card details being compromised.
Reduced Fraud:
By verifying the cardholder’s identity during the transaction, 3D Secure helps reduce the likelihood of fraudulent activities, protecting both the cardholder and the issuer.
Consumer Confidence
The introduction of 3D Secure offers SWIRL Prepaid Mastercard users with the peace of mind that allows them to make stress free online purchases. Knowing that every transaction is subject to extra security checks helps build trust and confidence when making payments online.
Global Acceptance:
SWIRL Prepaid Mastercard, with 3D Secure, offers a globally accepted and standardised authentication method, ensuring a consistent and secure payment experience across various online retailers and services.
How SWIRL Mastercard Implements 3D Secure
How 3D Secure Works
SWIRL Mastercard incorporates 3D Secure technology to ensure that your online transactions are as safe as possible. Activation is simple and can be done through our user-friendly App.
1. Initiation of Transaction:
When a SWIRL cardholder initiates an online transaction using their SWIRL Prepaid Mastercard, the merchant’s website communicates with the card issuer to check if the card is enrolled in the 3D Secure program.
2. Authentication Request:
The cardholder is redirected to a secure 3D Secure authentication ‘ID Check’ page hosted by the card issuer, in this case Mastercard. Here, they will be asked to share a pass code to verify their identity.
3. Authentication Process:
The cardholder will be prompted to enter a one-time pass code (OTP) that will be sent to their registered mobile number, linked to their SWIRL Card account.
4. Transaction Approval:
Once the cardholder successfully completes the authentication process, the transaction is approved, and the payment is processed securely.
The first step to enjoying the benefits of 3D Secure payments is to download the SWIRL App. Available on both the App Store and Google Play, the app allows you to manage your card, check your balance, and top up with ease.
Almost everyone has completed an online transaction at some point this past year which is why prioritizing the security of financial transactions is paramount. The integration of 3D Secure verification with SWIRL Prepaid Mastercard payments is a positive step toward ensuring a safer and more secure digital payment ecosystem. As consumers continue to embrace the convenience of online shopping, the combination of SWIRL Prepaid Mastercard and 3D Secure sets a new standard for secure and reliable prepaid card transactions.
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