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3-D Secure program

To protect your online transactions against any fraudulent actions, Wirex applies the 3-D Secure program. 3-D Secure is the protocol used to tie the financial authorization process with an online authentication. 3-D stands for a three-domain model. These three domains are:

  • Acquirer Domain (the bank and the merchant to which you pay the money).
  • Issuer Domain (the bank that issued the card).
  • Interoperability Domain (the infrastructure provided by the card scheme to support the 3-D Secure protocol). It includes the Internet, MPI (Merchant plug-in), ACS (Access Control Server) and other software providers.

Based on Verified by Visa and MasterCard SecureCode protection, 3-D Secure provides an additional security layer for online debit card transactions. It prevents any unauthenticated payment, even if a cardholder's card number is stolen or cloned.

To activate Verified by Visa protection:

  1. When using VBV for the first time, fill out the following card details in the window that opens: Signature Panel Code (CVV2 number), Expiration Date, and your Date Of Birth. Get acquainted with the Terms & Conditions. Then, to activate a VBV account, click Activate Now (this implies that you agree to the Terms & Conditions). 


  2. Create a password: it should be 8-20 characters long with no spaces. Confirm it by re-entering. Click Submit.


  3. Once you have created the VBV account, each time you make an online transaction supported by VBV, you will be brought to the page below. Here, you will be asked to enter three digits from your password that have been selected at random by the system.  Enter them and click Submit. Your identity is verified and the purchase is secure.

To activate MasterCard SecureCode protection:

  1. Go to https://www.mastercard.us/en-us/consumers/payment-technologies/securecode.html and click the SIGN UP button, find your bank's website and create your private code as described in the following steps. 

  2. In the setup window, on the first step, enter the Card Number into the corresponding field. Click Next.


  3. On the second step, please verify your identity by providing the answers to security questions. Click Next.


  4. On the third step, please create and confirm your SecureCode. Later, when shopping online, you'll be prompted to enter this code to secure your payment. Click Next.


  5. The Activation Complete window confirms your SecureCode has been successfully activated. Click Close. You are now ready to begin shopping online.


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