For the 3D Secure process, we collect personal information from you e.g. your mobile phone number. We pass this information to the data processor administering 3D Secure. Avant Money will not share this information with online retailers.
Go to our Privacy Notice or Cookies Policy for more information.
3D Secure FAQs
3D Secure FAQs
What is 3D Secure?
As a security feature 3D secure verifies your online payments by way of authenticating the card holder via SCA. Depending on the nature of the transaction, you may occasionally be required to verify your identity by using 2 independent factors:
1) A One Time Passcode (OTP) that will be sent to your mobile phone and
2) Answering a question that you will know the answer to.
What is SCA?
SCA stands for Strong Customer Authentication. The principle of SCA is to increase security for electronic payments and to access your online banking account through the introduction of two factor authentication protocols. This is a security process where you may be asked to verify your identity in two different ways, such as with a knowledge-based question and a one-time passcode.
What do I need to do?
A mobile phone is required to receive a text message with your one-time passcode. You can check your account has the right mobile number in the Settings menu of your online account or by calling our Customer Service Team. Authorised users will need to call us to verify.
I never shop online – do I need to do anything?
Not immediately; however, if you decide to shop online in the future, you will need to:
1. Log into, or register for, your online credit card account.
2. Update your contact details in the Settings menu
3. Complete the five security questions