3D Secure code

Confirm your internet purchases with the 3D Secure code, in the Tatra banka mobile application, Internet banking^TB or via the Card and Reader^TB 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 banking^TB.
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.

Important
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:

Available on the App Store

Available on the Google Play

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 banking^TB 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:

MasterCard supports 3D Secure

VISA secure supports 3D secure

MasterCard ID Check supports 3D Secure

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

What is the purpose of 3D Secure?

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 banking^TB.

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.

Is a transaction authorization required for every online payment?

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

What do I need to authorize payments?

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.

Why pay with Tatra banka app?

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.

Transaction is not possible to execute

Check your card settings in Internet banking^TB, in mobile application Tatra banka or contact call centre DIALOG Live to verify.

Where will I see recurring card payments?

Tatra banka mobile application: Card details - Options - 3D Secure exceptions - Repeated payments
Internet banking^TB: Settings - 3D Secure exceptions - Repeated payments

You will see all recurring transactions that you confirmed after 28. 02. 2023.

The frequency of the recurring payment on the merchant's website does not match the frequency indicated in the Tatra banka application. Should I confirm such a payment?

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.