You don't need to activate it. 3D Secure is already active and linked to your contact at the Bank.
As of January 2021, strong authentication will be mandatory for transactions on e-commerce websites within the European Union. However, if the merchant does not use the new version of the 3D Secure service, the purchase will still be validated with the code sent to your cell phone via SMS.
Outside the European Union, 3D Secure is optional, which means it's possible to shop online without strong authentication, but those transactions won't have the same added security available with 3D Secure.
There are, currently, 2 methods of authentication:
- Authentication through code sent by SMS;
- Authentication via the Bank’s App.
The authentication method requested in each purchase depends on the 3DS protocol used by the merchant.
3D Secure is an authentication system that makes your online shopping more secure against fraud attempts.
This level of security makes it possible to verify that the payment on the Internet with the Card is made by the holder. Each time you shop online, you will receive a notification on your cell phone directing you to the ActivoBank App to validate the purchase.
To validate 3D Secure transactions, you need to ensure that you have:
- Internet access via mobile data or Wi-Fi;
- Notifications are enabled in the ActivoBank application. You can confirm this by logging in to the App, selecting the "More" section and managing notifications under configurations.
At the moment of online purchase:
- Enter your card details and wait.
- You will then receive a notification from the ActivoBank application. Click on it.
- Follow the instructions to validate the payment.
- At the end, it's important to go back to the merchant's website or App to complete the purchase.
You can update your contacts and activate the 3D Secure service via the Contact Center, if you have a Multichannel Code, or at any ActivoBank Branch.
Updating contacts in the Client file doesn't automatically change the phone number associated with the 3D Secure service, so you need to request this change.