Dear Program Administrator (PA),
3D Secure is an eCommerce fraud prevention tool which shares data between merchants and issuers to help improve fraud detection and prevention. As online third party fraud grows in North America, fraudsters may attempt to use e-Commerce sites more often as face-to-face transactions become more challenging to de-fraud with the rollout of Chip and PIN-based cards.
3D Secure technology allows merchants to send issuers, such as Citi, additional data elements including IP addresses, device IDs, and auxiliary information from third-party data providers. With this added data, 3D Secure can help Citi detect even more instances of online fraud. Likewise, this data allows Citi to help reduce false declines for valid transactions by building profiles of valid purchase behavior.
Under 3D Secure, Citi will continue to authorize transactions as it did before, using criteria such as: credit limits, single purchase limits and MCC restrictions. In a small number of cases, cardholders may be prompted to enter a One-Time Passcode (OTP) that they receive via SMS (i.e. text) message or email, in order to verify whether the cardholder is, in fact, the person making the transaction. Cardholders without a mobile number or an email address on file are allowed to authenticate the transaction by answering security questions. If a transaction cannot be authenticated, the person making the purchase will receive a message stating the transaction could not be authenticated and asking them to contact Citi Customer Service using the toll-free number on the back of their card. Citi's Customer Service representatives are available 24 hours a day, seven days a week, to help resolve such issues.
Additionally, you may click here to view the Frequently Asked Questions (FAQs) for additional details.
We appreciate your support and hope that you welcome this advancement in Citi's Commercial Cards offering. Should you have any questions, please contact a Citi Representative.
Regards,
Citi® The Commercial Cards Team
You can identify merchants who are 3D Secure-enabled with either the Verified by Visa™ or MasterCard SecureCode™ brands at checkout.