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(This article only applies to our users with debit cards).

Updated over a week ago

What is 3DS?

3DS (also known as ‘Mastercard SecureCode’, ‘Identity Check’ and
‘Verified by Visa’) is a standard which helps to reduce fraud and provide
extra security to your online payments.

Authentication is the process by
which you identify yourself by sharing secure information that is available
only to you.

What's the use of 'Authentication'?

Authentication provides an additional layer of security for online
transactions, making it harder for fraudsters to gain access to your
payment details.

3DS 2.0 is the latest version and provides a much smoother
and safer process for you to authenticate your payments.

Is 3DS active on my card?

Yes, your card has been enrolled in Mastercard SecureCode (3DS) so that
wherever you see the Mastercard SecureCode logo online, your card
number will automatically be recognized during checkout. Your card
provider is contacted during checkout to confirm your identity as the
genuine cardholder.

What is the process for Authentication?

You will receive a 6-digit One Time Password (OTP) for each online
purchase you make at participating merchants.

The OTP will be sent by SMS to the mobile phone or on your Spendesk mobile app (on the account linked to the email address which you have used to log in Spendesk).

Simply key in the OTP on the authentication page displayed and press the ‘Submit’ button. The OTP will then be verified by your card provider and the transaction will be
approved or declined. If you have the Spendesk mobile app, simply click on 'Approve' in your app when the 3DS notification appears.

How will I know whether the registered mobile number / email address is the right one?

The partially masked mobile number and email address will be displayed
on the authentication page so that you can check that those details are

If the mobile number and email address are incorrect, cancel the
transaction and update your information on the portal (from the My Profile page).

What if I suspect that fraud has occurred on my card?

If you ever suspect that a fraudulent purchase has been made using your

1. block the card immediately and

2. send a message to our chat by logging in here and visiting "Need help - Chat with us", we will respond to your request within 10 minutes. 😊

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