Online  Transaction Services – 3D Secure

What is 3D Secure Code authentication?

3D Secure Code authentication is an online security feature that is powered by MasterCard respectively for authenticating card transactions performed at online merchants. It provides an additional layer of security and protects cardholders and merchants from unauthorized online transactions

How does it work?

All online transactions done with your dunia Credit Card at participating merchant websites will require you to enter a 6 digit OTP (One Time Password) in order to complete the transaction. The OTP will be sent to your mobile number registered with dunia. By entering the correct OTP you will be able to complete the transaction.

You simply need to:

• Shop online at any participating online merchant site and check out

• Enter your credit card details during checkout

• Enter the OTP in the authentication screen

After you have entered your OTP correctly, dunia will authenticate all details and if everything is in order, the transaction will be authorized.

How does 3D Secure protect against unauthorized online transactions?

When using a dunia Credit Card which has a 3D Secure Code authentication enabled for online, transactions, and 6 digit OTP (One Time Password) will be sent to your mobile number registered with. You will be required to enter this OTP to complete this transaction. This is to ensure that the transaction on your card is performed only by you and protects you against any unauthorized use of your card online. Please note that the OTP can only be used once.

Do I need to register for 3D Secure authentication?

There is no need to register for 3D Secure authentication separately. A 6 digit OTP (One Time Password) will be sent to your mobile number when you use your dunia Credit Card which has a feature of 3D Secure Code authentication enabled for online transactions. You will be required to enter this OTP to complete the transaction. This is to ensure that the transaction on your card is performed only by you and protects you against any unauthorized use of your card online.

After you have entered your OTP correctly, dunia will authenticate all details and if everything is in order, the transaction will be authorized.

What happens if I enter the OTP incorrectly?

If the OTP is entered incorrectly, it will prompt you to enter the correct OTP. If you enter the OTP 3 times incorrectly then the transaction will be cancelled. You will be required to re-start the entire transaction.

If you have not received the OTP, you could request to resend the OTP by clicking the ‘Resend OTP’ button on the screen.

Is the 3D secure authentication process applicable for all online transactions?

No, this additional authentication process is applicable when you shop at participating online merchants that have enabled this feature. Participating online merchants will display the MasterCard 3DSecureCode logo on the payment / checkout pages.

How can I identify participating merchants?

Participating online merchants will display the MasterCard 3DSecureCode logo on the payment pages.

Do I need to apply for a new dunia Credit Card to enable the 3D secure feature?

No, you do not need to apply for a new dunia Credit Card to use this security feature. The 3D secure authentication feature is automatically enabled on your existing dunia Credit Card.

Can I avail 3D Secure Authentication functionality on any computer?

Yes, you can. You do not need to install any special software to avail this additional authentication feature while doing online transactions. When you transact on a participating merchant's website with your dunia Credit Card, your transaction will be automatically authenticated using 3D Secure as you will be required to enter the 6 Digit OTP in order to complete the transaction.

What if the online merchant does not support 3D Secure Authentication?

The additional authentication is not applicable on online merchant sites that do not support 3D Secure Code authentication. Transactions performed at these sites will be processed without OTP authentication.

For further information or assistance on the above service please call our dunia 24 - hour Contact Center at +9714 42-dunia (38642).

Click here to view the dunia 3D Secure Code Terms of Service