Contents
Online trading is becoming more and more popular, as are online payment tools. The mechanisms created ensure the reliability and safety of financial transactions, but failures are possible in them. More and more often, when paying online, users receive the message “Your card did not pass 3DS authentication, or it was rejected by the payment system”. Failure occurs with the cards of banks. In the article we will tell you what this error is and why it appears.
What is this authentication?
3DS authentication is a special security protocol for users by entering two-factor authentication. The main purpose of the developed technology is to increase the security of the transaction, reduce the likelihood of using the card without the owner's knowledge by means of an additional confirmation stage. The first payment system that started using this function is VISA, and the others, having assessed the reliability of the technology, connected it later.
Not all shops use 3DS Secure, which allows you to protect the user, merchant and bank while making a payment. Logos speak about the use of technology:
The essence of the technology is that an additional stage is added at checkout - code confirmation. As a standard, the scheme for purchasing goods via the Internet in this case looks like this.
3DS Secure is represented by sending a security code from the cardholder. It has several options:
Causes of the "Card failed 3DS authentication" error
There are several main factors that lead to a failed transaction alert:
How to fix?
You need to start by checking the account, if there are no problems with this, then the easiest and most efficient way to solve it is to call your bank's hotline. For example, in the case of bank, call to hotline. A call center employee will check the settings and advise on how to solve the problem and the likely causes of the occurrence. If we are not talking about problems with a bank or payment system, then with the help of an operator, solving the problem will take 5-10 minutes. There is no way to talk on the phone - all modern banking structures have a staff of online consultants who can be contacted through the chat form on the website.
Calling a support operator is the best option
If you want to solve the problem yourself, then you need to start by checking the connection of the function. To do this, you need to do the following.
To connect 3DS authentication, the operator will ask you to provide:
Let's sum up
3DS Secure is an additional security measure to improve the security of online payments. It is extremely problematic to complete it without a card, owner and phone number, which reduces the likelihood of fraud. Under normal conditions, this stage is included in the payment scheme for purchases from $ 50 and above. If the card does not pass 3DS authentication, be sure to check the active options in your office, or call the operator for clarification.
However, one should not hope that the security protocol will provide a 100% guarantee of security. There are also many stores that operate without this technology. Thus, we can say that this function is useful in combination with other protective equipment.
Often, when shopping online, the life of the buyer is overshadowed by various technical problems. One of the most common situations is failures in processing payments from plastic cards, in particular, the status "Your card did not pass 3DS authentication, or is rejected by the payment system." Let's consider the possible reasons for this refusal.
3Ds authentication - the same as 3-D Secure
First, let's define the terminology. 3Ds authentication (aka 3D-secure) is essentially two-factor authorization, a double action when confirming a payment.
What makes 3D security different from the usual one-click payment is that one more step appears in the payment stages - entering the code on a special page of your bank that issued the card.
The code can be either a permanent one, invented by you at the stage of enabling the 3D-secure option in your personal account or online banking, or a one-time code that comes in an SMS or is taken from a bank code card (it all depends on a specific banking network, different brands have their own rules on this matter).
This option is enabled when concluding a service agreement at the bank or independently by the client via the Internet bank. This is how it looks in my office (but each bank has a different structure of settings, and everything may be different for you).
Enabling 3-D-secure
The most common reasons why the card does not pass and the status “the card did not pass 3D-authentication, or is rejected by the payment system” appears, there are only three:
The password is incorrect, not for this stage, and the plastic card is denied service. Solutions to this problem, based on the above reasons, are also obvious:
Only a few users know what 3d secure is on a bank bank card. We are talking about a new technology that allows you to protect bank plastic from possible theft of money by fraudsters. Despite the fact that customers often hear this name, the principle of the option is not entirely clear.
Previously, to connect the service to a Sberbank card, it was enough to submit a standard application to the company's branch.
Today, such actions are not required, since all plastics of the "classic" type and higher are initially equipped with an additional level of protection. The service is provided completely free of charge. Consider the current procedure for using the function and the benefits of the service in 2021.
What is 3ds bank card authentication?
This system is a unique protective measure that protects card data from possible copying when performing financial actions, for example, through Sberbank Online or on the website of the trading platform. To pay for purchases or services in a virtual shop, they are required to report:
The meaning of the technology lies in the fact that the user receives a one-time access code, and only 10 minutes are given to enter it. Encoding is made of 6 digits and comes to the cell phone attached to the bank plastic. It is for this reason that many banks use it if there is an online service.
In 1 minute! We will calculate the overpayment on the calculator. We will offer a sea of favorable offers for loans, credits and cards, very flexible conditions. Let's try?)
It is worth adding that such a connection is very expensive for a bank, therefore, many lenders refuse protection. At the same time, the use of 3d-secure is not a prerequisite, therefore the option is valid, today only in large financial institutions.
Benefits of the 3d secure feature
As a disadvantage of the function, it can be noted that there is no one hundred percent guarantee against fraud, but the client will be able to get maximum protection. The following factors should be singled out as the main advantages:
How to connect 3d secure to a bank card. What banks work with her?
Today, the question of how to connect 3d secure Sberbank via the Internet misleads bank customers. The fact is that the above banks connect the service automatically, but in some financial institutions, this function is not provided, and you need to connect it yourself. Often, the service costs money.
Bank does not have this problem, since almost all types of plastic have a built-in protective function. No action is required to activate the option. When making a payment in the online store, the card will be identified automatically.
If the card was received recently, but the service does not work on it, then you will have to visit a bank branch and submit an application. Employees will activate the service manually or replace the plastic. To check the operation of the protective function of the payment system, it is worth making any purchase on the Internet. If the one-time code has been successfully received, then no action is required to activate the function. Similarly, you can check on the lender's Internet resource, after completing the authorization in your personal account.
If you have any questions or complaints - let us know
What to do if the card does not pass 3ds authentication, or is rejected by the payment system?
Nothing can be completely reliable and stable. Often there are serious failures and the operation of the described function. Why does it sometimes happen that the card did not pass 3ds authentication or was rejected by the payment system? Many bank plastic users ask. To solve the issue of the absence of a message with a code, you should proceed as follows:
To solve the problem, it is enough to check the correctness of the form input and use the cipher again, or order a second password. The simplest and most practical advice is to repeat all procedures.
- What is this authentication?
- Causes of the "Card failed 3DS authentication" error
- How to fix?
- Let's sum up
- 3Ds authentication - the same as 3-D Secure
- What is 3ds bank card authentication?
- In 1 minute! We will calculate the overpayment on the calculator. We will offer a sea of favorable offers for loans, credits and cards, very flexible conditions. Let's try?)
- Benefits of the 3d secure feature
- How to connect 3d secure to a bank card. What banks work with her?
- What to do if the card does not pass 3ds authentication, or is rejected by the payment system?
Online trading is becoming more and more popular, as are online payment tools. The mechanisms created ensure the reliability and safety of financial transactions, but failures are possible in them. More and more often, when paying online, users receive the message “Your card did not pass 3DS authentication, or it was rejected by the payment system”. Failure occurs with the cards of banks. In the article we will tell you what this error is and why it appears.
What is this authentication?
3DS authentication is a special security protocol for users by entering two-factor authentication. The main purpose of the developed technology is to increase the security of the transaction, reduce the likelihood of using the card without the owner's knowledge by means of an additional confirmation stage. The first payment system that started using this function is VISA, and the others, having assessed the reliability of the technology, connected it later.
Not all shops use 3DS Secure, which allows you to protect the user, merchant and bank while making a payment. Logos speak about the use of technology:
- Verified by Visa - VBV;
- Mastercard SecureCode - MCC;
- JCB International - J / Secure;
- MIR Accept.
The essence of the technology is that an additional stage is added at checkout - code confirmation. As a standard, the scheme for purchasing goods via the Internet in this case looks like this.
- Entering card information.
- The store's website redirects the user to the issuing bank's page for 3DS authentication.
- Completion of the transaction.
3DS Secure is represented by sending a security code from the cardholder. It has several options:
- SMS notification;
- one-time code card;
- the code fixed by the holder.
Causes of the "Card failed 3DS authentication" error
There are several main factors that lead to a failed transaction alert:
- not connected function;
- wrong code;
- expiration date of the code (no more than 10 minutes);
- problems on the bank's line, server delays;
- unsupported payment system or problems with setting up the system in the store;
- There are cases when an error occurred when there was an insufficient amount on the account.
How to fix?
You need to start by checking the account, if there are no problems with this, then the easiest and most efficient way to solve it is to call your bank's hotline. For example, in the case of bank, call to hotline. A call center employee will check the settings and advise on how to solve the problem and the likely causes of the occurrence. If we are not talking about problems with a bank or payment system, then with the help of an operator, solving the problem will take 5-10 minutes. There is no way to talk on the phone - all modern banking structures have a staff of online consultants who can be contacted through the chat form on the website.
Calling a support operator is the best option
If you want to solve the problem yourself, then you need to start by checking the connection of the function. To do this, you need to do the following.
- Go to your personal account at the bank.
- Open a list of available maps.
- Explore connected services. If 3DS authentication is not in the list, connect online or through an operator.
To connect 3DS authentication, the operator will ask you to provide:
- FULL NAME;
- code word - entered by you during registration;
- 4 digits at the end of the problem card number.
Let's sum up
3DS Secure is an additional security measure to improve the security of online payments. It is extremely problematic to complete it without a card, owner and phone number, which reduces the likelihood of fraud. Under normal conditions, this stage is included in the payment scheme for purchases from $ 50 and above. If the card does not pass 3DS authentication, be sure to check the active options in your office, or call the operator for clarification.
However, one should not hope that the security protocol will provide a 100% guarantee of security. There are also many stores that operate without this technology. Thus, we can say that this function is useful in combination with other protective equipment.
Often, when shopping online, the life of the buyer is overshadowed by various technical problems. One of the most common situations is failures in processing payments from plastic cards, in particular, the status "Your card did not pass 3DS authentication, or is rejected by the payment system." Let's consider the possible reasons for this refusal.
3Ds authentication - the same as 3-D Secure
First, let's define the terminology. 3Ds authentication (aka 3D-secure) is essentially two-factor authorization, a double action when confirming a payment.
What makes 3D security different from the usual one-click payment is that one more step appears in the payment stages - entering the code on a special page of your bank that issued the card.
The code can be either a permanent one, invented by you at the stage of enabling the 3D-secure option in your personal account or online banking, or a one-time code that comes in an SMS or is taken from a bank code card (it all depends on a specific banking network, different brands have their own rules on this matter).
This option is enabled when concluding a service agreement at the bank or independently by the client via the Internet bank. This is how it looks in my office (but each bank has a different structure of settings, and everything may be different for you).
Enabling 3-D-secure
The most common reasons why the card does not pass and the status “the card did not pass 3D-authentication, or is rejected by the payment system” appears, there are only three:
- Banal - there are not enough funds on the card
- Also common - the "3ds-authorization" service is not activated for your card
- And the third reason is the wrong password for the 3ds-authentication stage.
The fact is that a person usually activates the password for online calculations immediately when registering a card, but it is rarely used. But other passwords are used either often, or even on a daily basis - logging into the Internet bank, etc.
The password is incorrect, not for this stage, and the plastic card is denied service. Solutions to this problem, based on the above reasons, are also obvious:
- go to Internet banking, check the availability of funds on the card and at the same time make sure that the 3D security option is enabled
- keep the password for 3ds-authorization at hand before paying, and do not confuse it with other passwords (access to the personal account of the bank, etc.)
Only a few users know what 3d secure is on a bank bank card. We are talking about a new technology that allows you to protect bank plastic from possible theft of money by fraudsters. Despite the fact that customers often hear this name, the principle of the option is not entirely clear.
Previously, to connect the service to a Sberbank card, it was enough to submit a standard application to the company's branch.
Today, such actions are not required, since all plastics of the "classic" type and higher are initially equipped with an additional level of protection. The service is provided completely free of charge. Consider the current procedure for using the function and the benefits of the service in 2021.
What is 3ds bank card authentication?
This system is a unique protective measure that protects card data from possible copying when performing financial actions, for example, through Sberbank Online or on the website of the trading platform. To pay for purchases or services in a virtual shop, they are required to report:
- card number, which is indicated directly on the plastic;
- the validity period of the payment instrument;
- CVV code (CVC).
The meaning of the technology lies in the fact that the user receives a one-time access code, and only 10 minutes are given to enter it. Encoding is made of 6 digits and comes to the cell phone attached to the bank plastic. It is for this reason that many banks use it if there is an online service.
In 1 minute! We will calculate the overpayment on the calculator. We will offer a sea of favorable offers for loans, credits and cards, very flexible conditions. Let's try?)
It is worth adding that such a connection is very expensive for a bank, therefore, many lenders refuse protection. At the same time, the use of 3d-secure is not a prerequisite, therefore the option is valid, today only in large financial institutions.
Benefits of the 3d secure feature
As a disadvantage of the function, it can be noted that there is no one hundred percent guarantee against fraud, but the client will be able to get maximum protection. The following factors should be singled out as the main advantages:
- security - passwords from credit cards are available only to the cardholder;
- Convenience - there is no need to remember one-time passwords;
- availability - an SMS with a password is sent for each operation;
- simplicity - the procedure does not require complex actions and is carried out as quickly as possible;
- prevalence - many virtual stores use such a system, which ensures the safety of citizens' savings.
How to connect 3d secure to a bank card. What banks work with her?
Today, the question of how to connect 3d secure Sberbank via the Internet misleads bank customers. The fact is that the above banks connect the service automatically, but in some financial institutions, this function is not provided, and you need to connect it yourself. Often, the service costs money.
Bank does not have this problem, since almost all types of plastic have a built-in protective function. No action is required to activate the option. When making a payment in the online store, the card will be identified automatically.
If the card was received recently, but the service does not work on it, then you will have to visit a bank branch and submit an application. Employees will activate the service manually or replace the plastic. To check the operation of the protective function of the payment system, it is worth making any purchase on the Internet. If the one-time code has been successfully received, then no action is required to activate the function. Similarly, you can check on the lender's Internet resource, after completing the authorization in your personal account.
If you have any questions or complaints - let us know
What to do if the card does not pass 3ds authentication, or is rejected by the payment system?
Nothing can be completely reliable and stable. Often there are serious failures and the operation of the described function. Why does it sometimes happen that the card did not pass 3ds authentication or was rejected by the payment system? Many bank plastic users ask. To solve the issue of the absence of a message with a code, you should proceed as follows:
- Refer to the option to receive the code again, which is located on the password entry page.
- Make sure the phone number is correct and the phone is active. That the SIM card has a positive balance and the memory of the gadget is not overflowing.
To solve the problem, it is enough to check the correctness of the form input and use the cipher again, or order a second password. The simplest and most practical advice is to repeat all procedures.
