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?

1. You have an S-Net account:

Log in to S-Net or S-Net Mobile, go to “Settings – Credit cards – 3D Secure” and follow the on-screen instructions. You can then instantly use your credit cards on e-commerce sites offering 3D Secure.

2. You don’t have an S-Net account:

Go to www.3dsecure.lu and follow the instructions.

You will receive a letter containing an activation code in a few days’ time, which you can use to finalise the activation procedure.

How does it work?

When you use your credit card to make a purchase on a 3D Secure site, a separate screen will pop up displaying your “personal message”. You will then be able to validate the payment by entering the single-use code delivered to the medium of your choice:

  • your LuxTrust Token
  • your mobile

You can only register one LuxTrust Token and one mobile number (Luxembourg or international) for each card.