3D Secure is a technology used to secure online payments made with credit cards, on websites displaying the following logos:

Not all e-commerce websites use 3D Secure. Online retailers decide whether or not to sign up for 3D Secure.



To reduce fraudulent use of credit cards on the Internet by introducing additional security for online purchases.


How to activate it?

If you have an S-Net agreement, 3D Secure will automatically be activated with the LuxTrust Token used for your S-Net Login.

In case you use several Token, you can check in S-Net which LuxTrust Token is linked to your card. Log in to S-Net, go to “Settings – Payment cards – Payment settings” and follow the on-screen instructions. 

If you login to S-Net Mobile, go to "Settings - Card management - Payment settings”.

You can then verify if 3D Secure is activated for your payment card and instantly use it on e-commerce sites offering 3D Secure.

How does it work?

When you use your credit card to make a purchase on a 3D Secure site, you will be able to validate the payment by entering the single-use code delivered to the medium of your choice:

  • your LuxTrust Token
  • LuxTrust Mobile

You can only register one LuxTrust Token and one LuxTrust Mobile certificate for each card.