European regulations are changing to make online credit card payments more secure for you. How exactly? You may be asked to authenticate your payment through a 3D secure process. This will be branded according to the type of card you’re paying with, for example, Visa Secure, Mastercard Identity Check or American Express SafeKey.

Banks are currently in the implementation process and we took steps on our side to adapt to the changes.

What are the benefits of 3D Secure?

3D secure protects your credit card details even more effectively against fraud. Confirming your identity twice, you will verify that you are the one using your credit card, and not someone else. Furthermore, if someone steals your phone, computer or credit card, they will not be able to use them to make an online payment. To confirm the payment, the thief would an extra security token, like your PIN or fingerprint. Please find further details on the website of the European Central Bank.

So, what exactly does this mean for you?

If your preferred payment method is credit card, we recommend to register your card for 2-factor authentication (3D Secure). Most banks usually provide a way to enrol your card online, so check your bank's website for more information. If you still need to register your card and your payment didn't go through, you can change your payment method or complete the purchase with a different card.

If you have previously registered for 3D Secure or used this feature, you will not need to register again. However, your bank may have defined a new process to improve your payment experience. Some banks have designed a new smartphone application specifically for this purpose. Please get in touch with your bank for more information.