3D Secure Credit Card Transactions

Credit Card Payment

We use a payment gateway called PayGate – it is 100% secure and all your credit card details go through the secure gateway of Paygate, Fragrancefind does not record any Credit Card information.

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3D Secure

Shopping with Fragrancefind is safe and secure…following new regulations, all South African banks and e-commerce retailers are required to implement 3D Secure, a technical standard created by Visa and Mastercard, to help protect you – our customer – against unauthorised use of your card when shopping online. This added protection allows only the cardholder to use the card; it allows you to enter your previously selected PIN/Password or One Time Pin in order to validate your purchase with your bank; it provides additional focus on the safety of e-commerce transactions; and assists in reducing online fraud and safe-guarding credit card transactions. 

If your card has been activated for 3D secure payments, you’ll briefly be redirected and asked to input your unique One Time Pin (you will receive a sms on your mobile phone), in order to authenticate the transaction.

On successful input, you will then be redirected to the Fragrancefind website, where your transaction will be completed.

If you do not receive a One Time Pin for your online transactions, you will need to contact your bank. 

3 Domain Security

3 Domain Security is a new method of security mandated by the Card Associations to enhance the security of online transactions. Mastercard’s product is called “Secure Code” and Visa’s product is called “Verified by Visa”.

The 3D-Secure refers to three domains involved in the security they are:

  • The Acquiring or Merchant’s bank
  • The Card Association’s financial networks i.e
  • Mastercard and Visa
  • The Issuing or Cardholder’s bank.


How does it work

imply put the system authenticates the cardholder before the transaction takes place by diverting the browser to the bank that issued the card, who then request some secret, perhaps a pin, from their cardholder that will conclusively prove that this actually is the cardholder entitled to use this card.

Once they are satisfied that this is their cardholder, they issue an authentication receipt which is then presented to the merchants bank along with the authorisation request. If the transaction is then approved by the issuing bank they may not charge the transaction back to the merchant because the cardholder disputes the transaction as not being originated by them.

Will it add extra time on to the customer checkout experience?

The 3D Secure authentication process is smoothly integrated into the payment process and will usually only add a few seconds to the normal transaction time.

A small price to pay for increased protection for you as the cardholder.