When you are on a merchant's website and go to the payment stage, once you enter your card details and click on the "Pay" button, the bank receives a request from the merchant to authorize your payment. Following the request, the bank accepts the payment, checking the security by various methods in just a few seconds.
For some transactions, the bank cannot authorise the payment without your involvement, so as a security measure, it asks you to log into the VB24 Mobile app or enter your one-time password to confirm that you have initiated this payment.
What is 3D Secure?
An international security standard to protect online payments from merchants and reduce bank card fraud. This is based on requiring additional authentication or providing a password whenever any online payment is made with a card enrolled in 3D Secure.