3-D Secure

Shop securely online with a credit card

3-D Secure from Mastercard/Visa and PostFinance is a secure method for paying with credit and prepaid cards online. It’s very convenient, too: all you need to do to confirm your online purchase is use your fingerprint or Face ID or enter an SMS code. Complete the one-off activation now!

Here’s how the new 3-D procedure works

With fingerprint or Face ID

With each payment, you receive a push message asking you to confirm the purchase with your fingerprint or Face ID.

With SMS code

With each payment, an SMS code is sent to your smartphone. You are then asked to enter this to confirm your purchase.

  • In e-finance

    First, activate the login via app on your smartphone. If you already use login via app, activate 3-D Secure in the credit card settings in e-finance.

    In the app

    First, activate the login via app on your smartphone. If you already use login via app, activate 3-D Secure in e-finance in 3 steps.

    Step 1: Select the credit card on the app homepage

    Step 2: Click on the “Details” menu with the 3 dots

    Step 3: 3-D Secure can be activated in the card details

  • I have no e-finance

    Activate 3-D Secure by entering the card data and your card account number.

    I have e-finance

    Activate 3-D Secure in the credit card settings in e-finance

    • 3-D Secure is a standard from Mastercard/Visa and PostFinance for secure payment with credit or prepaid cards online. The free service provides additional protection against unauthorized use of your credit or prepaid card. More and more online retailers are using 3-D Secure.
    • Until now, the 3-D Secure procedure was password-based. As a customer, you were asked to enter your 3-D Secure password when making online purchases with your PostFinance credit card. This static 3-D Secure password is being replaced with immediate effect. The new 3-D Secure procedure is even more convenient and secure: to confirm your credit card payments, you only need to use your fingerprint or Face ID via PostFinance App or to enter an SMS code.
    • With fingerprint or Face ID: when making payments with your PostFinance credit or prepaid card in online shops that use 3-D Secure, you as a customer will be requested – via a push message sent to your smartphone – to confirm the purchase in the PostFinance App with fingerprint or Face ID.

      With SMS code: when making payments with your PostFinance credit or prepaid card in online shops that use 3-D Secure, you as a customer will be requested to enter a security code. This code will be sent by SMS to your registered mobile phone number.
    • Many online shops increase the security of card payments by using 3-D Secure. Previously, a 3-D Secure password was required in these shops as proof of identity. There are two disadvantages to this static password: firstly, you have to remember it; and secondly, it can easily be discovered by fraudsters through phishing attacks.

      Thanks to the new procedure using fingerprint, Face ID or SMS code, there is no need to enter a static password. Not only is this simpler, it also increases the security of online payments with PostFinance credit or prepaid cards.
    • The old 3-D Secure password can no longer be used, and activation of the new 3-D Secure procedure is required.
    • Please call the Contact Center for the PostFinance Card Center (tel. 0848 888 460 max. CHF 0.08/min. in Switzerland). This service is available around the clock.
    • Yes, the new 3-D Secure procedure is available immediately after one-time activation.
    • No. You can use your existing PostFinance credit card.
    • In this situation, you receive a new card. If the new 3-D Secure procedure had already been activated on the lost card, the new card does not have to be activated again.