Credit Union to implement the Visa 3-D secure online transaction confirmation system for Visa check/debit card transactions on Thursday, September 4th.

Visa 3-D Secure (3DS), also known as Visa Secure, is a security protocol developed to enhance the safety of online credit and debit card transactions. It adds an additional layer of protection during the checkout process to help prevent unauthorized card use and reduce fraud.  Visa 3-D Secure is used globally by e-commerce merchants, cardholders, and financial institutions to increase confidence in online payments.

Do I need a new Visa check/debit card to use this service?
No. Your current Visa check card will work with 3-D Secure when the Credit Union implements the 3-D Secure program on September 4th.

How It Works: Step-by-Step

1. Checkout Initiation:
   When a cardholder makes a purchase on a participating merchant’s website, the Visa 3-D Secure protocol is triggered. Note that not all merchants participate in the 3-D Secure system.
2. Authentication Request:
   The merchant sends a request to the Credit Union to authenticate the transaction.
3. Risk Assessment:
   The Credit Union uses transaction data (e.g., location, device ID, purchase amount) to determine whether the transaction is low-risk or needs further verification.
4. Authentication Challenge (if required):
   The cardholder is prompted to verify their identity: A one-time password (OTP) is sent via a text message, secure mobile phone push notification or email. simply follow the instructions on your screen to verify your identity.
5. Authentication Result:
   Once authentication is successful (or deemed unnecessary), the transaction continues. If authentication fails or is declined, the transaction may be blocked.
6. Completion:
   The merchant receives an authentication result and proceeds with payment processing or cancels the transaction based on the outcome.

Benefits of Visa 3-D Secure

• Greater protection from unauthorized card use online
• Confidence when shopping at e-commerce websites
• Secure and seamless experience

Conclusion
Visa 3-D Secure is a critical security feature in the digital payment ecosystem. With the shift toward online commerce and the growing threat of digital fraud, protocols like 3-D Secure play a vital role in ensuring trust and safety for all parties involved. 3-D Secure offers a seamless, intelligent, and mobile-friendly experience, making it a valuable tool for any organization conducting online transactions.

Questions? Contact a Member Service Representative.