How does 3D Secure work?
3D Secure protects you from online card fraud. It’s automatically activated when you activate your card in the app. No additional passwords are required.
Whenever you make an online payment using your Mastercard, 3D Secure confirms the transaction with you within 5 minutes via a push message. If you don't see the transaction, try some of the troubleshooting tips we've collected.
If you make a purchase using your smartphone, you’ll see a pending transaction in the app. Tap on the bell icon and the push message will appear for you to confirm and finalize your purchase. Then go back to the merchant’s website. You should see a confirmation of your successful purchase within a few moments.
According to PSD2, all e-commerce transactions have to be challenged unless they qualify as a ‘Low Value Payment’: LVP’s will be considered as payments less than 250€ (Cumulative = 250€)