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Knowledge

3-D Secure:
Credit card booking declined. What now?

23.03.2017 (Till Bannwart/ASPSMS)


Foto: pixabay/jarmoluk/Public Domain

IMPORTANT NOTICE: Solve problems with credit cards VISA, MasterCard, American Express and Diners Club, when purchasing ASPSMS Credits.

Credit card bookings (VISA, MasterCard, American Express) which have been authenticated with the 3-D Secure method can be processed for quite some time. This means that the rejected credit card bookings accumulate in the payment system Saferpay of SIX Payment Services.

What is 3-D Secure?

3-D Secure is a process that is used for additional security in online credit card transactions. With 3-D Secure, online transactions can be authenticated - similar to entering a PIN or confirming a transaction by signature. Originally developed by VISA under the name «Verified by VISA», the procedure was soon adopted by MasterCard (SecureCode), JCB (J / Secure), American Express (Safekey) and Diners Club (ProtectBuy).

With 3-D Secure the fraud risk and the failure of payments due to card misuse are to be reduced. In addition, merchants and shop operators using 3-D Secure will be able to guarantee payment receipt. There are different types of 3-D Secure authentication. How the authentication is executed exactly is not defined in the protocol and depends on the issuing institution, bank and home country.

Error message received during the booking process?

Since the procedures for the registration for the use of 3-D Secure differ very strongly and partly as «difficult and very complex» of cardholders felt, we recommend our ASPSMS customers, which during the online order the error message 3DSecure (PayerAuthenticationFailed) To register with us and to order the ASPSMS Credits by bank transfer. In urgent cases we will immediately release the ASPSMS Credits order (support@aspsms.com or +41 71 246 56 56). This means that you do not have to interrupt the ASPSMS service. You then have to pay the invoice within 3 working days.

How can I prepare my credit card for the 3-D Secure procedure?

However, in order to be able to place your orders online with the 3-D Secure process, please contact your credit card issuer and inquire about the registration / registration procedure. Instructions should also be available.

What alternative forms of payment can I use for the ASPSMS Credit Order?

If the booking process with the 3-D Secure procedure is too cumbersome for you, you can avoid the following means of payment:

  • Bank Transfer
    We recommend that you set the ASPSMS CreditWarnings accordingly higher as bank transfers usually take a little longer until they show up in our system. https://www.aspsms.com/en/balance/

  • PayPal

  • Postcard

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