Help & Support

3D Secure makes online shopping safer by authenticating a customer’s identity when they make a purchase on an ecommerce site. It’s provided by Visa as ‘Visa Secure’, and Mastercard as ‘Mastercard Identity Check’.

We require all ecommerce businesses to use 3D Secure. It helps your business by reducing the risk of fraud and chargebacks^ (transactions disputed by the customer).

Even with 3D Secure, it’s important to have checks in place to prevent fraud and chargebacks. If these occur too often, we might require you to take further measures to run your online business uninterrupted.

Setting up 3D Secure

We only support 3D Secure for Visa and Mastercard. For Diners Club or American Express, you’ll need to talk to them directly about their options. 

To set up 3D Secure, you’ll need to have:

• an approved BNZ merchant facility
• an ecommerce site that meets our minimum requirements
• a payment option that supports 3D Secure, via a certified solutions provider^.

We might be able to set up 3D Secure for you for free, depending on your gateway and payment solution. Contact us to learn more.

Costs involved

We don’t charge you anything to set up 3D Secure on your site or for using it to verify purchases. Your payment gateway provider may charge fees for 3D Secure. 

If you have a non-gateway hosted shopping cart solution, you’ll need to get your site connected to your payment gateway’s 3D Secure interface. This may involve costs to you for development work to your website.

Please discuss your options with your gateway provider.