3-D Secure

3-D Secure is a security standard for online payments using American Express, Mastercard and Visa cards. More and more online shops are relying on 3-D Secure to identify card payers beyond doubt and therefore protect the seller and buyer from fraudulent use of the card.

Secure online payments with 3-D Secure

American Express, Mastercard and Visa developed 3-D Secure together as a security standard for online payments. With this process you identify yourself with a code that you receive in an SMS or in the new Swisscard app. Look out for the American Express SafeKey®, Mastercard Identity Check™ or Visa Secure logo when you’re shopping or paying online.

3-D Secure how it works

3-d Secure step 1

Online shopping

Shop and go to the checkout as usual in the online shop.

3d-secure step 2


Pay for your shopping by credit card.

3d secure step 3

Confirm payment

You will now receive an SMS code or a 3-D Secure notification from the Swisscard app to confirm the payment.

3d secure step 4

Payment confirmed

Once the payment has been approved in the Swisscard app or the SMS code has been entered, the payment is confirmed.

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