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What is 3D Secure (Verified by Visa / Mastercard SecureCode)?

3D Secure is an authentication system developed by major credit card companies to enhance the security of online credit card transactions and protect against potential fraud.

The Visa implementation of 3D Secure is referred to as Verified by Visa and the Mastercard implementation Mastercard SecureCode.

How does it work?

When transacting with your credit card on the MasterStart website, you may be redirected to your bank's 3D Secure system to authenticate the transaction.

Your bank will have their own authentication system:

  • OTP (one time pin) sent via SMS to your phone
  • Approval within a mobile app
  • Secret Passphrase

After your transaction is authenticated, you'll be redirected back to MasterStart where the transaction will be completed.