Lydia Card - protecting your online payments

Updated 5 months ago by Adrien M

You can use your Lydia card to pay online, but it is not currently compatible with the online payment security proceure 3D Secure. Lydia is already working to find an equivalent solution to this. 

3D Secure protection system

The 3D Secure system allows banks to ensure that the cardholder is definitely the person behind a particular online card payment.  In other words, 3D Secure is used to identify the person using a card to pay online - usually with a short verification code sent by SMS. This system is sometimes otherwise known as MasterCard SecureCode or Verified by Visa.

Lydia does not send this verification code when you make an online payment with your Lydia card. You'll only be asked for your card number and the 3-digit CVV number which can be found on the back of the card. 

Paying when 3D Secure is required 

3D Secure may be obligatory

Some websites require 3D Secure to authenticate payments. Unfortunately, this means you will not be able to use your Lydia card to pay on these sites. Luckily, this only concerns a few websites. 

3D Secure may be optional

Some sites request 3D Secure authentication but do not require it for the payment to succeed, which means you can use your Lydia card.

Disable online payments

If you don't use your Lydia card for online payments, you can disable online payments from the Features menu when you tap on your Lydia card in-app. 

Fraudulent use of your card online 

If your card has been used for fraudulent online payments, you must contact Lydia as soon as possible to contest the transaction: 

You should also block your card to protect your money. 


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