3-Domain Secure (3DS) is a protocol used by banks worldwide to authenticate online card transactions. Cardmembers can recognize the participating 3DS merchants by the Verified-by-Visa, MasterCard’s SecureCode, American Express SafeKey or JCB J/Secure logos on the online merchant’s website.

When making purchases online, 3DS will prompt Cardmember to enter an OTP to authenticate the transaction. If the OTP is correct, the purchase transaction will be processed and completed. The OTP will be sent to the Principal Cardmember or Supplementary Cardmember (where applicable) who is making the online purchase.

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