Security & Compliance (employers)

FAqs For Employers

Security & Compliance

What is 3DS?

3DS (also known as ''Mastercard SecureCode'') is a security protocol that helps reduce fraud and enhance security for online payments. It requires you to identify yourself by sharing information available only to you (e.g., a One Time Password sent to you via SMS or email).

3DS 2.0 (also known as ''Mastercard Identity Check'') is the latest version and provides a much smoother and safer process for authenticating your payments.

What is the use of Authentication?

Authentication provides an additional layer of security for online transactions, making it harder for fraudsters to gain access to your payment details.

Is 3DS active on the card?

Yes, the card has been enrolled in Mastercard Identity Check (3DS) if it's issued in one of these currencies: EUR, GBP. This means that wherever you see the Mastercard Identity Check logo online, the card number will automatically be recognised during checkout. The card provider is contacted during checkout to confirm the recipient's identity as the genuine cardholder.

What is the process for Authentication?

Recipients will receive a 6-digit One Time Password (OTP) for each online purchase they make at participating merchants. The OTP will be sent by SMS or by email to the mobile phone or email address which they used to register with the card provider. Recipients need to key in the OTP on the authentication page displayed and press the “Submit” button. The OTP will then be verified by the card provider and the transaction will be approved or declined.

How will recipients know whether the registered mobile number or email address is the right one?

The partially masked mobile number and email address will be displayed on the authentication page so that recipients can check that those details are correct. If the mobile number and email address are incorrect, they need to cancel the transaction and update their information on the payment portal. If they have questions, they need to contact Customer Support at +1 (877) 325-8444, or by using one of our other local numbers:

EEA: (+44) 20-3514-2425

UK: (+44) 20-3514-2425

Switzerland: (+41) 80-056-2762

What if recipients suspect that fraud has occurred on their card?

If a card recipient ever suspects that a fraudulent purchase has been made using their card, they need to contact Cardholder Services right away at +1 (877) 325-8444 (below are listed other local numbers). The card will be blocked to prevent fraudulent purchases. We’ll send a new card for the remaining balance minus a card reissue fee.

EEA: (+44) 20-3514-2425

UK: (+44) 20-3514-2425

Switzerland: (+41) 80-056-2762