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FAQ 3D Secure (MasterCard®SecureCodeTM)

How can I use 3D Secure?

In order to use 3D Secure, your Credit Suisse MasterCard must first be activated in the system. The activation process starts automatically the first time you pay with your Credit Suisse MasterCard on a 3D Secure participating retailer’s web site. First you will be asked to input part of Credit Suisse (Luxembourg) S.A. account number (in IBAN format) from which your Credit Suisse MasterCard payments are debited and your date of birth.
Then you will be asked to set your “3D Secure personal message” (which will be displayed during each future online payments process to reassure you that the web site is indeed an official 3D Secure payment site) followed by a “3D Secure password”. No information will be divulged to the retailer.

How do I input the bank account number from which my card payments are debited?

You will be asked to input digits 13 to 16 of Credit Suisse (Luxembourg) S.A. account number. The other digits will be concealed. For example, if your account number is: LU12 3456 7891 0123 4567, you will be asked for digits 13 to 16, in other words “0123” in the following format: LUxx xxxx xxxx [ ] xxx.

Do I have to pay for the 3D Secure service?

No, the 3D Secure service is completely free of charge.

What happens if I do not activate my card for 3D Secure?

If you do not activate your Credit Suisse MasterCard for 3D Secure, you will not be able to pay online with your Credit Suisse MasterCard for purchases from retailers that support 3D Secure.

How do I use the 3D Secure password?

Once the 3D Secure service has been activated, you will be asked to enter your 3D Secure password. If your 3D Secure password is correct, you confirm that you are the rightful cardholder and your payment is completed.

How do I know if I am on a 3D Secure retailer’s web site?

The logo MasterCard®SecureCodeTMdisplayed on a retailer’s web site tell you that you must use the 3D Secure service for your online payments. If an online retailer does not support 3D Secure, the payment process runs as normal without entering a password or displaying your 3D Secure personal message.

Do all 3D Secure shopping sites allow me to carry out my payments?

No, certain operations can fail because:

  • Some foreign traders accept only cards issued in their own country. Some traders accept 3D
  • Secure cards only above a certain amount.

Please contact the merchant directly if you notice anything unusual on its site.

What about card payments in shops?

For shop purchases (therefore not on the Internet), this does not apply. You will continue to pay by keying in your PIN.

Which cards are covered by this service?

All Credit Suisse MasterCards issued by Credit Suisse (Luxembourg) S.A

What is the purpose of a 3D Secure personal message?

This message that you define will be displayed for you on all pages relating to payments made on a 3D Secure retailer’s web site. You choose your 3D Secure personal message when you define your 3D Secure password for the first time. For example: “I live in New York”.

What do I do if my 3D Secure personal message is not displayed on a
3D Secure web site?

This means that the web site authentication could not be validated. Do NOT continue the transaction.

What do I do if I forget my 3D Secure password or I want to change it?

Click on the “Forgotten your password?” link that you can find on the screen. You will have to reactivate your Credit Suisse MasterCard for the 3D Secure service and specify a new 3D Secure password.

What happens when you enter an incorrect 3D Secure password three times?

You will need to re-activate your Credit Suisse MasterCard for the 3D Secure service and specify a new 3D Secure password. Needless to say, you will still be able to use your Credit Suisse MasterCard in shops and at ATMs.

What do I do if I cannot re-activate my card for the 3D Secure service?

After three unsuccessful attempts, you will no longer be able to activate your Credit Suisse MasterCard for the 3D Secure service. In this case, please contact the helpdesk using the toll-free number on the back of your card. For any other problems (personal data, product characteristics, etc.), we advise you to contact your Credit Suisse (Luxembourg) S.A. advisor directly.

What do I do when I receive a new card following the loss or theft?

If your Credit Suisse MasterCard is replaced as a result of loss or theft, you will need to activate your new Credit Suisse MasterCard for 3D Secure.

What happens following the renewal of my existing Credit Suisse MasterCard once it does expires?

Following the normal expiry of your Credit Suisse MasterCard, the 3D Secure settings will automatically be transferred across to the new Credit Suisse MasterCard so you will not have to re-register for 3D Secure. The 3D Secure personal message and the 3D Secure password will remain the same.

What do I do if I am not asked for my 3D Secure password?

  • Check that your 3D Secure personal message is actually displayed
  • Check whether the retailer is 3D Secure (look for the MasterCard®SecureCodeTMlogo
  • Check whether your system is blocking advertising pop-up windows
  • Leave the web site immediately

What do I do if I receive an email asking me for personal data
concerning 3D Secure?

Under no circumstances will Credit Suisse (Luxembourg) S.A. contact you by email regarding 3D Secure. If you receive an email asking for data relating to your Credit Suisse MasterCard number or your 3D Secure password, do NOT reply. It is likely to be an attempted fraud.

What should I do if suspect fraud on my Credit Suisse MasterCard?

In this case, please have your card blocked as quickly as possible by contacting our Client Services which are available 24/7 at the number indicated on the back of your card. Once the card is blocked you will no longer be able make purchases (internet, shops) with your Credit Suisse MasterCard or use it to withdraw cash at the ATMs.

What if I have other questions?

More information on 3D Secure is available on our web site or by calling our Client Services on the toll-free number on the back of your card (business hours only).

Secondary Content

Contact us

Telephone: +352 46 00 11-1

Fax: +352 46 32 70

Email:  cspb.lux@credit-suisse.com

To block your card, call: +800 78 79 78 79

Access codes PDF (47 KB)

Login 3D Secure

mastercard-securecode-230x90

Please click on the link below to register your card for this free service or to change your security elements if necessary.