To activate 3D Secure (also called Visa Secure, Verified by Visa, or VBV), the process depends on your bank or card issuer, not Visa itself.
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- You must be a Visa cardholder — credit, debit, or reloadable prepaid. The card must be valid, unexpired, and enabled with 3D Secure.
Here’s how you can activate it step-by-step:
🔐 What is 3D Secure?
3D Secure adds an extra layer of authentication during online purchases. Instead of just entering your card number, you’ll also be asked to verify your identity — usually with:
A one-time password (OTP) sent via SMS/email
Or a banking app prompt
Or biometric login (fingerprint/face)
Visa calls this program Visa Secure.
🧾 Step-by-Step: How to Activate 3D Secure for Visa
✅ 1. Log in to your bank account (online or app)
Most banks automatically enroll Visa cards in 3D Secure when you:
Activate the card
Or start using online banking
Check under sections like:
“Card settings”
“Security features”
“Online”
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✅ 2. Update contact info
Ensure your:
Mobile number
Email address
…are correctly linked to your account so you can receive OTPs during checkout.
✅ 3. Enable 3D Secure if it’s off
If your bank gives the option, there may be a toggle to enable “Verified by Visa” or “Visa Secure.” Some banks also let you choose your preferred method of authentication (e.g., SMS vs. app).
✅ 4. Try an online purchase to test it
Once 3D Secure is active, try buying something from a site that supports 3D Secure (like Amazon, airlines, or FIFA ticket sales). At checkout, you should get an extra authentication step.
💬 If Unsure — Contact Your Bank
If you’re not sure whether it’s active or how to enable it:
📞 Call your bank’s customer service or
🌐 Visit the bank’s website and search for “3D Secure” or “Visa Secure”
🏦 Examples by Bank
| Bank | 3D Secure Setup |
|---|---|
| Chase | Enabled by default; verify via OTP |
| Bank of America | Enabled; SMS code required |
| ICICI / SBI / HDFC (India) | Requires online registration or OTP on file |
| Revolut / N26 | Uses app notification for 3DS |
| Capital One | Auto-enrolled; uses email/SMS |
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