3D Secure code
Confirm your internet purchases with the 3D Secure code, in the Tatra banka mobile application, Internet bankingTB or via the Card and ReaderTB tool and pay more securely.
Safe payments on the internet
SMS code free of charge
Applicable for all debit as well as credit cards
Wide acceptance network of 3D Secure merchants
Payment procedure
Entering required data from the payment card for the payment at the website of the merchant has not changed.
After entering:
- card number,
- card validity and
- a three-digit security code
payment gateway will then ask you to verify the payment:
- Do not close this payment gateway window and confirm the payment using the Tatra banka mobile application or Internet bankingTB.
- After successful verification, the payment will be processed on the merchant's side.
At the same time, you'll see a purchase confirmation screen on the merchant's page with further instructions.
For successful payment and confirmation of payments, you must have the latest version of the Tatra banka mobile application and push notifications enabled.
Download the latest version of the application:
Payment procedure at a merchant supporting 3D Secure:
- click on the PUSH notification we have generated for you, open the Tatra banka application or log in to Internet bankingTB in a new browser window
- any of the above options will automatically show you a card payment awaiting your authorization
- after checking the payment data (merchant name, transaction amount, frequency in the case of repeated payments with a subscription) you can choose whether to authorize or reject the given transaction
- after logging out of the mobile application or internet banking, you will find out the result of the payment processing on the merchant's website
Merchants supporting 3D Secure have the following logos:
At the merchants not supporting 3D Secure you may pay in the same way as until now, just enter the details of your payment card or through Tatra banka app and one-time card number.
Frequently asked questions
When paying online at a merchant that supports this service, you will be asked to authorize the payment.
Depending on which version of the 3D Secure protocol the merchant supports, you will be sent a free SMS message with a 3D Secure code or a request for payment authorization in the Tatra banka mobile application or Internet bankingTB.
Transaction authorization is unique with each payment and has limited validity.
After your authorization, Tatra banka will confirm to the merchant that you are authorized to make the payment and you can pay for the purchase. It is not possible for an unauthorized person to pay for the goods with your payment card.
A payment authorization request will only be made if the merchant supports the 3D Secure protocol. After entering the card details (card number, card validity and three-digit security code), you will be asked to authorize the transaction you will perform, depending on which version of the 3D Secure protocol the merchant supports. If the merchant does not support the 3D Secure protocol, the payment will be made without the need for authorization.
Due to the regulation of the European Banking Authority (EBA), when authorizing a transaction performed in the European Economic Area, the client must be authenticated with one or more elements / factors, from at least two categories:
| Category/factor | Elements that can be verified for payments in the Internet environment |
|---|---|
| Knowledge | Password, PIN, Answers to agreed specific questions, ... |
| Ownership | Tokens, Dynamic security codes, Mobile applications, Mobile phone client |
| Characteristics of the payment card holder | Biometric data: fingerprints, Face ID |
In order to authorize internet payments, it is necessary to have a signed Agreement with the bank on the allocation of identification, authentication and authorization means.
With Tatra banka, you can pay even more securely on the internet, thanks to the one-time card number you can easily generate in your app. A one-time card number is only applicable to one payment, i.e. it can not be used repeatedly.
How can I generate one-time card number?
- Check, if your mobile phone has active internet access.
- From the list of your cards choose the one you want to pay with.
- Click on “Internet payment”.
- After PIN verification the application displays one-time card details that will be used to pay at the merchant.
Tip for you: If you shop directly from the phone, card details can be easily copied. If you shop from another device, copy the card details into a merchant's form. Card details are also available in the form of notification in the top bar of your phone.
Check your card settings in Internet bankingTB, in mobile application Tatra banka or contact call centre DIALOG Live to verify.
Tatra banka mobile application: Card details - Options - 3D Secure exceptions - Repeated payments
Internet bankingTB: Settings - 3D Secure exceptions - Repeated payments
You will see all recurring transactions that you confirmed after 28. 02. 2023.
The Tatra banka application shows the data as sent to the bank by the merchant. We recommend that you only confirm payments that you agree with. Confirmation of a recurring payment with incorrect data may affect the application of a possible claim.
https://www.tatrabanka.sk/en/personal/cards/3d-secure/