YouTrip is now enabled with 3D Secure (3DS), an authentication feature that helps to protect online transactions and provide a tool to authenticate that the true cardholder is initiating a transaction. With 3DS in place, you may be prompted to authorise your online purchases.
This means that you can now transact with merchants that require 3DS authentication with your YouTrip card. Do note that the need to authorise your payment with 3DS is entirely dependent on the merchant or website that you're making a payment.
3DS is a security protocol developed by Mastercard and Visa that aims to prevent fraud in online transactions. In brief, 3DS uses advanced algorithms to determine whether an online payment has been initiated by a legitimate user.
How do I use 3DS?
When you’re entering your YouTrip card details (i.e., PAN, expiry date, CVV) for an online purchase, the merchant may prompt you to authorise your transaction during the checkout process.
You’ll then be prompted to authorise your payment using the YouTrip app. Simply tap the push notification you receive, open your YouTrip app, and log in.
You’ll be greeted by a 3DS verification pop-up where you can review the transaction details, including the amount to be paid and to who you'll be making the payment. You can then slide to confirm the payment or tap the 'Reject' button to cancel it.
You’re done! You can now return to the merchant’s site to complete or review the transaction.
What are some merchants that require 3DS?
Many online merchants require 3DS verification so we can't list them all, but here are some popular merchants that make use of the feature:
- Shopee
- Lazada
- Qoo10
- And many more!
You may also review the merchant's website as they should display the logo of 3DS card schemes such as “Verified by VISA” (VBV) and “SecureCode” (Mastercard).