3D Secure (3-domain structure), commonly referred to as payer authentication, is a security protocol designed to mitigate fraud in online credit and debit card transactions, ensuring that no payments are processed without your authorization.
Completing 3D Secure is as simple as entering your password or the one-time PIN sent to you via SMS in the required field.
Should you not receive the one-time password/PIN required for payer authentication during a card payment, don't worry!. Simply get in touch with your bank for assistance.
There are several potential reasons for not receiving your One Time Password/PIN:
- Change of Phone Number to receive OTP without updating the bank for static data updates.
- Change of Email address to receive OTP without updating the bank for static data updates.
- Your bank is facing a system issue, thus not sending the OTP.