3D Secure
What is 3D Secure?
This is a service that additionally verifies your VISA and Mastercard payments to increase security. During the online card payment, you will be prompted to confirm the payment via 3D Secure. Slovak and foreign online shops that support 3D Secure authentication have Mastercard ID Check and Visa Secure logos.
How do I confirm a payment via 3D Secure?
In one of the following three ways:
- Directly in the VÚB Mobile Banking app via Mobile PIN or fingerprint/FaceID
- SMS code and password for the card
- Code from the VÚB token app
Confirmation via the new VÚB Banking app
Instructions on how to confirm a payment via VÚB Banking can be found in this video.
1. Payment confirmation procedure
After entering the card details (card number, expiry date and CVC/CVV code), a screen will appear with a detailed procedure on how to confirm the card payment.
2. Open the push notification
Open the push notification we sent to the device with your banking mobile app.
3. Review the payment details
The details of the card payment you are confirming will be displayed. After reviewing them, tap “Continue”.
4. Confirm with PIN or biometrics
Confirm the payment either with your Mobile PIN (a 6–8 digit code used to log in to the new app) or with biometric authentication – fingerprint or Face ID.
TIP: If you previously used the VÚB Mobil Banking mobile app to confirm online card payments, the Mobile PIN for that app was 4 digits. When using the new VÚB Banking mobile app, the Mobile PIN is 6 to 8 digits. Please make sure you are using the correct Mobile PIN to log in to the mobile app.
Can’t remember your login details or have you blocked the VÚB Banking app?
You can reactivate the app and then use it again to confirm online payments via 3D Secure.
5. Return to the merchant’s website
After successfully verifying your payment, return to the merchant's site.
Confirmation via SMS code and card password
If you enter a code from a text message when confirming your card payment online, you will also need to enter your CARD PASSWORD for added security.
1. Payment confirmation procedure
After entering the card details (card number, expiry date and CVC/CVV code), a screen will appear with a detailed procedure on how to confirm the card payment.
2. Enter the SMS code
If you have chosen to verify with the SMS code and password for your card, you will see a screen to enter the SMS code that we have sent to your phone number.
3. Enter your card password
On the next screen, you need to enter your card password. If you can’t remember your card password, you can find it:
- in the new VÚB Banking mobile app under “My cards” and “Settings and limits” – see this video.
- in Internet Banking. Instructions on how to find or change your password in Internet Banking can be found in this video.
Please remember the displayed password – you will need to enter it every time you confirm a card payment if you choose this verification method.
4. Return to the merchant’s website
After successfully verifying your payment, return to the merchant's site.
Confirmation via QR code in the VÚB Banking app
You can also confirm your card payment using a QR code in the VÚB Banking app.
1. Generate a security code
If you choose QR code verification, you need to generate a security code to confirm the card payment.
2. Open VÚB Banking (Digital code)
Open the VÚB Banking app and tap “Digital code” in the bottom-right corner.
3. Tap “Swipe to scan QR”
After opening “Digital code”, tap “Swipe to scan QR” at the bottom of the screen. The code shown on this screen is not entered anywhere.
4. Scan the QR code
The camera will open so you can scan the QR code from the merchant’s website. You can also scan a QR code from your gallery.
5. Review details and tap “Continue”
After scanning the QR code, a screen with payment details will appear. Review them and tap “Continue”.
6. Enter the generated code
After confirming with biometrics or a 6–8 digit Mobile PIN in the new app, a screen with a (generated) numeric code will appear. Enter this code on the merchant’s website.
7. Return to the merchant’s website
After successfully verifying your payment, return to the merchant's site.
Confirmation via the VÚB Mobil Banking app
Payment verification via the VÚB Mobil Banking mobile app is possible if you have one of the following active:
- the VÚB Mobil Banking mobile app, or
- both mobile apps at the same time – VÚB Mobil Banking and VÚB Banking.
1. Payment confirmation procedure
After entering the card details (card number, expiry date and CVC/CVV code), a screen will appear with a detailed procedure on how to confirm the card payment.
2. Open the push notification
Open the push notification we sent to the device with your banking mobile app. If you don’t notice the push notification or it doesn’t appear, you can also confirm the payment directly after logging in to the banking mobile app.
3. Review the payment details
You will then see the details of the card payment you are confirming.
4. Confirm with PIN or biometrics
Confirm the payment either with your Mobile PIN (the code used to log in to the app) or with biometric authentication – fingerprint or Face ID.
5. Return to the merchant’s website
After successfully verifying your payment, return to the merchant's site.
FAQs
- The card password is a security feature that is included in your card contract. You can also find it in your Internet Banking in Card Details You can view it there and change it any time for free. You can find the instructions on how to find or change your card password in Internet Banking in this video.
- If you don't use Internet Banking, you can also get your password through any VÚB Bank branch. The password will be provided only to you as the cardholder after your identity has been verified with your ID card.
You have three attempts to enter the correct security code and password into the system. If the security information is entered incorrectly three times, you will be redirected to the merchant's site. For security reasons you will be unable make 3D Secure Internet card payments for 60 minutes. Then you can use your card again to pay online.
- If you enter the security code and password incorrectly repeatedly, the card will be blocked for 3D Secure Internet payments. You can request unblocking of your card for internet payments by calling the Contact service (0850 123 000, from abroad +421 2 4855 5970).
- PLEASE NOTE For SMS authorisation, the security code is only entered once. If you make an error when entering it, request a new SMS authorisation message by clicking on the "Send new SMS code" icon. An SMS with a new security code will be generated and sent to you.
- To use this new payment confirmation method, you need to have your mobile phone connected to the internet. You must have the VÚB Mobile Banking app installed and activated on your phone, and push notifications enabled on your phone and in the app. We also recommend that you update your Chrome web browser on your mobile device to the latest version.
- Mobile PIN (mPIN) is a four-digit numeric code that you choose when activating the VÚB Mobile Banking app. This security feature is used for logging into the VÚB Mobile Banking app, for transaction authorisation in Internet Banking services, the Contact Centre, and the VÚB Mobile Banking app. All information and benefits of Mobile PIN can be found at IB Security.
- Your mobile phone must support the use of fingerprint/Face ID, and then you can use it to confirm card payments on the internet up to €1,000/1 payment. It is also necessary to activate authorisation of card transactions via the fingerprint scanner in the VÚB Mobile Banking app – Settings – Fingerprint login – Authorisation of card transactions.
- If you don't receive a push notification or cancel it by mistake, open the VÚB Mobile Banking app. We will notify you of the pending authorisation, and you can proceed with the payment confirmation. If you don't click on the push notification and confirm your card payment via the VÚB Mobile Banking app in time, we will send you a security code by SMS.
- If you don't have Nonstop Banking and so have no security feature, you can't make card payments online at merchants that support 3D Secure. Nonstop Banking can be set up online at Setting up Internet Banking or at any VÚB branch. Activation and use of Nonstop Banking is free, and payment confirmation via 3D Secure does not incur additional fees.
- If you are using multiple security features within Nonstop Banking, you may see a screen with the available security features. You can choose one of these to verify the online card payment. The easiest and fastest way to verify is through VÚB Mobile Banking. In this case, you will confirm the payment with your Mobile PIN or fingerprint/Face ID.
- In this case, the payment was not successfully authorised. Authorisation means verifying the payment against the card balance, account balance, and limits. A payment may be declined due to insufficient payment limit, account balance, etc. Sometimes the payment after successful authentication does not even proceed to authorisation. This may be due to a slow internet connection.
- You can check the reason for rejection by contacting the Contact service (0850 123 000, from abroad +421 2 4855 5970).
- For merchants that do not support 3D Secure, it is sufficient to enter the card details (card number, expiry date, and 3-digit code on back of card). Be careful when making such a payment, as the risk of credit card misuse is much higher in an unsecured environment. The transaction takes place without cardholder authentication via the security features of Nonstop Banking.
- This payment was apparently assessed by the bank as secure, and therefore didn't need to be confirmed via the security feature. This can happen, for example, if you are paying a small amount or making a recurring payment.
- Please contact us immediately (0850 123 000, from abroad +421 2 4855 5970) to verify this payment. If you have not made a payment, we will deactivate or permanently block your card to prevent misuse. You can also deactivate/permanently block your card via VÚB Mobile Banking.
Na obrazovke obchodníka kliknete na link „Ak chcete platbu potvrdiť inak, vyberte iný spôsob potvrdenia“. Následne sa Vám zobrazia iné dostupné metódy potvrdzovania, z ktorých si môžete vybrať.
Ak si nepamätáte prihlasovacie údaje alebo ste si zablokovali aplikáciu VÚB Banking môžete si opätovne reaktivovať aplikáciu a následne ju používať na potvrdzovanie platieb na internete cez 3D Secure.
