Internet
Banking

Log in

3-D Secure (Three Domain Secure) Debit and credit card application forms can be submitted at all branches of the ProCredit Bank network in Serbia. 

 

3-D Secure (Three Domain Secure) Debit and credit card application forms can be submitted at all branches of the ProCredit Bank network in Serbia.

 

The 3-D Program allows cardholders to confirm their identity to the bank that issued the payment card during online purchases. In this way, cardholders confirm their presence during the online purchase and payment process.

 

The international payment systems MasterCard and Visa International have developed their own safety programs for online shopping based on the 3-D Secure model: MasterCard Secure Code and Verified by Visa.

 

The main advantages of 3-D Secure are:

 

  • Prevention of unauthorised card usage
  • Online card usage does not require specialised software or hardware
  • Safer transfer of payment information during online purchases and greater customer control over payment authorisation
  • Enhanced safety measures against online misuse by third parties
  • Only the payment card holder has access his/her personal iPIN (Internet PIN) for online payments

 

The payment process for 3-D Secure is as follows:

 

  1. Choose the products and services that you wish to buy and access the payment page of the website.
  2. Enter the requested data (including the card number) on the payment page of the website. Once you click on the button for payment confirmation, the vendor contacts the bank electronically to verify whether the card has been authorised to access the 3-D Secure service.
  3. If the card has been authorised, a window with basic data on the transaction, your identification details, and a request for your iPIN or password will appear on your screen.
  4. Verify to check whether the details shown are correct (the transaction amount, the last four digits of the card number and any personal notices).
  5. Enter your iPIN or password to confirm the transaction.
  6. If the iPIN or password is correct, the bank will confirm your identity to the vendor.
  7. The vendor will submit to the bank an enquiry about the funds available in the account and about the statute of the payment.
  8. The bank approves the transaction.