What Is 3DSecure?

[@deborahachen7214]

If you do not have texting available due to travelling out of Canada and mobile data off, is it impossible to purchase if merchant has 3D secure?

[@MerchantaccountsCanada]

I have personally experienced this and yes it is a pain. Some banks might also provide the 3ds auth codes through their app, so if you have data or wifi you might be good. But generally, when you lose your ability to receive text codes it does make it harder to pass two-factor authentication. That said though, you can always call your bank and ask them to not block the transaction with 3DS, and they should be able to do that, on a 1-off basis. Short summary though: yes it can become more of a pain when travelling without your normal ability to receive texts.

[@deborahachen7214]

As I have explored this more, it seems 3D does not even work for any of my Canadian Visa or MC cards, at least not on Japan apps requiring it, even when I used in Canada. Called my credit cards and they don’t even know what 3D is. They only know Visa Verify, etc. These are cards from major banks with annual fees, so not run of the mill.

[@vict11Hw]

What a great explanation about 3Ds

[@MerchantaccountsCanada]

Thank you for the compliment. I'm glad you found it helpful.

[@leadstn]

amazing explanation !!

[@MerchantaccountsCanada]

Thank you, I'm glad it was helpful!