Millennium Bank’s customers can benefit free of charge from the advantages granted by 3D Secure technology: enhanced security, reduction of the fraud risk for the online transactions at all online merchants that are part of the 3D Secure project.
What is 3D Secure?
Is the highest international standard for securing internet purchases, implemented by Visa and Mastercard that uses a personalised authentication method for identifying customers when they are using cards for online payments.
3D Secure is based on the assignment of a user name (“user”) and a password by the cardholder (different from the PIN code), that protects him against unauthorised usage of the card at the online merchants taking part to this project. The card can not be used for online payments without knowing the password, so the user is protected.
3D Secure technology is implemented on the merchants’ websites under the name:
- „MasterCard Secure Code”, for MasterCard; logo:
or
- „Verified by Visa”, for Visa; logo:
How is 3D Secure technology working?
3D Secure operates exclusively on websites that display the logo or .
For every online payment, the cardholder authentication is done in the same security environment, whether it is realised on the personal computer or on any other computer. Thus, the confidentiality of personal data is ensured and both the fraud risk and that of skimming the payment details is eliminated.
Access to the 3D Secure service is extremely fast and simple. Millennium Bank offers this service free of charge to its customers for the entire validity period of the card and without having to sign any contract or paying a visit to the Bank. Enrolling and activating the service is a one time process and does not require the installation of any application on the computer and it does not impede web browsing.
To take advantage of 3D Secure, please follow the next steps:
Step 1 - 3D Secure activation
This operation is conducted by setting the personal parameters (user and password), that will be used later on during your identity authentication process. See below the instructions for the service activation.
Pasul 2 - Pay with your card on websites belonging to merchants that are taking part to the 3D Secure project
The merchant websites that have implemented this technology are easily identifiable through the logos sau .
Pasul 3 - Authenticate to each online transaction
Every time you make online payments with your card, you will be able to authenticate it with the password set at the moment of service activation. Thereby, you have permanent control over the payments done with your card in the online environment.
How to activate 3D Secure service?
1. Based on the card type that you hold, please select one of the two available options of online activation: Visa and/or MasterCard
2.
In the screen for preliminary authentication, fill in the following information:
- card number (e.g. 4461 6500 0000 1111);
- card expiry date (e.g. 04/13);
- personal identity code (CNP);
- the initial password of the card (set by the bank), composed of the last six digits of the personal identity code (CNP) + the last six digits of the card number.
3. In order to finalize the activation:
- choose a user name (user);
- choose a password (max 14 characters: digits and letters);
- fill in the password once again, for confirmation;
- choose a personal welcoming message (for example: “Protection against fraud”, “Good evening”, etc). Memorise it, because it will be displayed, as a security method, on the authentication page of transactions.
After filling this data, your card activation is realised instantly and you will have the possibility to make fully secure payments at any online merchant that is using 3D Secure technology.
Useful tips
1. Memorise the password. It will be filled in every time you want to pay with your card on websites that display the logos and/or ;
2. Under no circumstances should you use your PIN code when setting your 3D Secure password and avoid using any easy to guess dates (e.g. your birthday).
3. Pay with your card only in online stores that have a good reputation, which are displaying the 3D Secure logos and/or .
4. Make sure that the transaction authentication page contains the logos and/or , as well as the Millennium Bank logo and the welcome message that you set at the time of activation.
The presence of these elements proves that the payment is authenticated by the bank and the information is not disclosed to any other party. Do not enter your personal identification data as well as your 3D Secure password if any of these elements is missing!
5. Do not answer to e-mails that are redirecting you to websites where you are asked to disclose, under a variety of reasons, confidential data regarding your bank accounts, card number, expiry date, PIN code or 3D Secure password. No bank, online store or any other institution is mandated to ask for such information via e-mail!
6. If you are making online payments in public places, make sure that no one around you is able to see you type the 3D Secure password.
7. If you suspect that someone gained access to your password, notify the bank immediately.
8. Avoid making payments with your card other than on your personal computer.