UNI Debit Card - UNI Financial cooperation
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Buy online with your debit card


The 3D Secure process is a security authentication process using a single-use code sent by SMS or e-mail, depending on the user's preference, when making an online purchase with a debit card.


Authentication involves 3 domains (hence the name):

  • the card issuer on one side;
  • the seller on the other
  • and the 3D Secure platform acting as a buffer between client and merchant.

Single-use code


Adding a single-use code for online purchases with the debit card achieves these benefits:


  • Enhanced security for online purchases
  • Functionality available automatically
  • No registration or activation required

Enhanced security

No registration

Quick and easy

How does it work?

When you make an online purchase, 3D Secure technology assesses whether additional security is required to ensure that you are the owner of the debit card. You are then automatically redirected to a 3D Secure page, where you must enter the single-use code sent by UNI via SMS or e-mail, depending on the user's preference, to confirm the transaction.

Benefits

3D Secure is a fast, simple and secure authentication feature. It reduces the risk of debit card fraud and boosts member and client confidence for online purchases.

All UNI debit cards are now equipped with 3D Secure technology.

To find out whether an online merchant is compatible, its website must display the 3D Secure card systems logo, such as Visa Secure or MasterCard Identity Check.

FAQ

You don't need to take any action. 3D Secure is automatically activated on your debit card.

Yes, it is. 3D Secure protects you with two-step authentication for transactions made with an online merchant whose website displays the 3D Secure card systems logo, such as Visa Secure or MasterCard Identity Check.

When you make an online purchase, 3D Secure technology assesses whether additional security is required to ensure that you are the owner of the debit card. You are then automatically redirected to a 3D Secure page where you must enter the single-use code sent by UNI via SMS message or e-mail, depending on the user's preference, to confirm the transaction.

No, this feature is only required on the websites of merchants supporting 3D Secure identification protocols. To find out whether an online merchant is compatible, its website displays the 3D Secure card systems logo, such as Visa Secure or MasterCard Identity Check.

Nowadays, payment verification is necessary to ensure everyone's protection. When purchasing online, 3D Secure authentication is mainly identified by the names Verified by VISA or MasterCard Secure Code, whose logos are easily recognizable to ensure that e-merchants are equipped with this service.

No, it is not possible to disable this feature.

If an online merchant is compatible, its website displays the 3D Secure card systems logo, such as Visa Secure or MasterCard Identity Check.

If the 3D Secure code you received does not work, this may be due to, among other things:
  • SMS or e-mail not received

    If you do not receive a code 3D Secure by SMS or e-mail, you can not make your purchase.

  • Insufficient funds

    Although the 3D Secure code is correct, it may not be possible to validate the payment. Generally, this is due to the available limit, which may be insufficient or already reached, thereby blocking the transaction.

    You will need to contact the Client Contact Centre at 1-888-359-1357.

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