3D Secure verification when paying online

Updated 3 weeks ago by Romain Rouvillois

Online payments do not require the user to enter a card PIN, making them more susceptible to fraud than most other payments.

Fortunately, the 3D Secure process exists to counter this risk, allowing the user to identify themselves with a one-time code sent by SMS or now directly from the bank's application. It is this second, more convenient and secure option that Lydia has chosen to allow its users to confirm payments on the Internet.

3D Secure with Lydia Cards or Internet Cards

3D Secure can be triggered on any type of Lydia card.

Before proceeding with an online payment that presents a potential risk of fraud, the merchant, or Lydia directly, can request a 3D Secure verification.

In this situation, the merchant will tell the user to open his Lydia app, to validate the payment.

  • The user will receive a push notification on his phone to warn him. Clicking on the push notification will open the confirmation screen in the Lydia app.
  • Alternatively, the user will be able to open the Lydia app directly to access the confirmation screen.

The user will then be able to:

If the card is blocked, the user will be notified, and confirming the payment will temporarily unblock it for the duration of the payment, then reblock it afterwards.

Good to know: the user has 3 chances to identify himself when confirming the payment. If the user enters the wrong PIN code 3 times, he/she will be disconnected and the payment will be cancelled.

The payment will be initiated by the merchant right after the confirmation. It is therefore possible that it may be refused, for various reasons (insufficient amount, deactivated online payment, etc.).

For optimal security when paying on the Internet, the user can also use ephemeral Internet cards, which self-destruct after payment: no more risk of having your numbers stolen!

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