3D Secure FAQ

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Buy Online Securely: 3D Secure protection

Jackson Sports is 3D Secure (3DS) compliant. We use the following protection technologies: Verified by Visa, Mastercard SecureCode, and American Express SafeKey.

3D Secure adds an extra layer of consumer protection, to shield card holders from fraud and counterfeiting. With 3DS enabled, you have 2-step authentication on every online purchase — so no payments will ever go through unless you authorise them yourself.

Most major card providers already use this technology. If a card holder is making a payment online and the bank detects that the transaction might be suspicious, the bank card issuer will ask card holder for extra verification. Once card holder authentication is verified, the purchase is completed.

The Strong Customer Authentication (SCA) regulation in Europe requires the use of 3DS for online credit and debit card transactions. 3DS is optional in other regions but we have enabled 3D Secure in all orders as a tool to protect our customers.

What is 3D Secure protection?

3D Secure is an additional step you enable to happen every time a card transaction is made at Jackson Sports and other online retailers. It enhances security measures for online shoppers.

When you turn on 3D Secure in your credit or debit card, you will be asked to validate every transaction with a one-time PIN code (or OTP), fingerprint ID, face recognition or iris scanner.

Most major card providers automatically enable 3D Secure on their debit and credit cards.

3D stands for “three domains.” The first is the card issuer; second, the retailer receiving the payment; and third is the 3DS infrastructure platform that acts as a secure go-between for the consumer and the retailer.

How does 3D Secure protection work?

When you make a payment for an online purchase at Jackson Sports, 3DS technology gauges if further safekeeping is needed to make sure that you are the rightful card owner. If so, you will be asked for a one-off password or PIN.

Simultaneously, your bank generates a one-off PIN and sends it to your phone via SMS. This is the PIN you will need to enter before you can complete the transaction. Enter the code and the payment is complete.

This 3D Secure process is an additional way to authenticate the identity of the card owner by providing the code at checkout.

Alternatively, you might authenticate a payment through a banking app by using your fingerprint, facial recognition, or iris scanning.

When you make a card payment online, 3D Secure confirms the transaction in seconds, notifying you in a push notification.

Is there a downside to 3D Secure protection?

3D Secure adds time on to the checkout process when you verify yourself — but is not keeping your information safe worth a few extra seconds?

And just because 3D Secure is enabled does not mean you will always have to enter a one-time PIN — you will only have to complete this step if your bank requires it.

The cardholder’s bank will assess the risk level of the transaction and select an appropriate response:

  • If the provided data is enough for the bank to trust that the real cardholder is making the purchase, that transaction goes through the “frictionless” flow and the authentication is completed without any additional input from the cardholder.
  • If the bank decides it needs further proof, the transaction is sent through the “challenge” flow and the cardholder is asked to provide additional input to authenticate the payment.