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):
Adding a single-use code for online purchases with the debit card achieves these benefits:
Enhanced security
No registration
Quick and easy
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.
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.
If you do not receive a code 3D Secure by SMS or e-mail, you can not make your purchase.
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.