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Americas

United States
Puerto Rico

Europe

Denmark
Germany
Ireland
Norway
Poland
Sweden
United Kingdom
Spain
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Customer Resource Centre

3-D Secure

3-D Secure explained

Ensure your business is compliant with the latest legal and payment services directive regulations. Our support team are always available to support you with any query 24/7, 365 days a year.

The 3-D Secure authentication is an additional fraud prevention scheme that is available to all companies using the Opayo systems to process transactions.

It allows shoppers to create and assign a password to their card that is then verified whenever a transaction is processed through a site that supports the use of the scheme. The addition of password protection allows extra security on transactions that are processed online.

3-D Secure stands for 3 Domain Server, there are 3 parties that are involved in the 3D Secure process:

  • The company the purchase is being made from.
  • The acquiring bank (the bank of the company)
  • VISA and MasterCard (the card issuers themselves)

The scheme is a collective of verified by VISA (VBV) and MasterCard secure code (MSC). It is the most recent fraud prevention initiative that is available at the moment.

3-D Secure is also the only fraud prevention scheme that is available that offers companies liability cover for transactions that are verified by the checks. This provides additional protection to companies using the scheme as opposed to those that do not.

3-D Secure v2 - What do customers need to do?

The first thing is to ensure your ecommerce payments have 3D Secure activated within MyOpayo (if not already activated). You can find out how to do this on page 8 of our MyOpayo User Guide.

Depending on which payment integration your site uses with Opayo you may have to make some changes to the integration, so it is important to flag with your developer/IT that you may need to make some development changes ahead of time to ensure they will be ready to act for you.

Activating & adding a 3-D Secure rule

If you would like to use the 3-D secure tool that is available on your account you will first need to activate these within your MyOpayo.

You are then able to add rules to your account to automatically review transactions processed on your account, and accept or reject these transactions based upon the results of the rules.


Before doing this however you will first need to log into your MyOpayo area. Also you must make sure the user you are logging into MyOpayo has the administration privileges to do so.

American Express SafeKey explained

American Express SafeKey is a fraud prevention tool that is offered to all customers who use this card. SafeKey, like 3-D Secure offers additional protection to you as a shopper and as a company.

Strong Customer Authentication (SCA) FAQs

We’ve put together some commonly asked questions to provide additional guidance on the new strong customer authentication regulation and what it mean for your business. If you can’t find what you’re looking for contact us, our customer support team are on hand to help 24-7.

Elavon terms of service UK (CCA)

(Sole trader, or partnership with 3 or less partners)

Elavon terms of service UK (non-CCA)

(All other customers)

Elavon terms of service (Multi-national customer)

(Multi-national customers)

Opayo Merchant Terms & Conditions

(Opayo gateway only)

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