3-D Secure, SMS card service and contactless payments

MasterCard / Visa

3-D Secure increases the security of your online payments, the SMS card service gives you access to your most recent transactions at any time, and contactless credit cards allow you to pay even more quickly and easily.

3-D Secure: approved security standard

3-D Secure is an internationally recognized security standard that offers protection for payments by credit and prepaid cards online. 3-D Secure is used by many online shops and is free of charge.

This is how 3-D Secure works

Once you have registered for the service, a new window opens during the payment process next time you make purchases online. The security notice you have selected appears in the window, prompting you to enter your personal password for identification purposes.

Here's how to register for 3-D Secure

You can either register directly here or you will be asked to do so automatically next time you make purchases from an online shop that offers 3-D Secure. You need your credit or prepaid card to register as well as your card account number. This information can be found on your transaction overview/monthly invoice or in e-finance.

SMS card service

With the SMS card service you can call up your most recent transactions or the amount available on your credit card at any time.

SMS request

Send the relevant keyword and the last four digits of your card number to speed-dial number 474.

Transactions and balance:
Send cardinfo XXXX to 474

Available balance:
Send cardsaldo XXXX to 474

The SMS request costs CHF 0.20. You can unsubscribe at any time in e-finance under «Settings and servicesô» or via the PostFinance Card Center: tel. 0848 888 400 (charges apply).

SMS alerts

Upon request you can be informed automatically by SMS free of charge:

  • when the amount you have defined for debits is exceeded
  • when the amount you have defined as available is exceeded
  • when a debit is made on the card account

Register now for free

Register in e-finance under «Settings and services» and create your personal settings.

Contactless payments with PayPass and payWave

In addition to the previous usage options, you can pay even more easily, quickly and conveniently with PayPass from MasterCard and payWave from Visa.

Here's how it works

  1. Just hold your card against a card terminal with this symbol
  2. Wait for the green light to flash
  3. Your purchases have been paid for


  • PayPass and payWave offer optimal encryption, making them just as secure as all other cashless payment methods. This has been borne out by successful risk tests around the world
  • For payments exceeding CHF 40, you will still need to identify yourself with your PIN

Exchange your current card

If your PostFinance credit card does not have the contactless payment function, we will be happy to exchange it free of charge. Please call us or send us a personal message (via Contact/Mailbox in e-finance).