Say hello to safer online shopping: Introducing 3D Secure

2 minute read

We’re making it even safer to use your Wise card online.

From now on, we'll be using 3D Secure technology. It’s an extra layer of security designed to stop card fraud, and keep your online payments safe.

You’ll see 3D Secure when you pay for something online

When you buy something online with your Wise card, the merchant might want to check that it's really you. So after you’ve entered your card details, they'll send you to a page that asks you to approve your payment. It looks like this:


There's three ways to approve — either using our app, entering a code sent by SMS, or with a phone call. Just pick the one that’s easiest for you. In all cases, you’ll need to have your phone or registered device handy.

Option 1: Approving a payment using the Wise app

We'll send a push notification to your phone or registered device. Just tap on it, open the Wise app, and choose to approve the payment.


Once you've approved the payment, that's it! We'll let the merchant know, and your payment will go through in seconds.

And if you get a push notification for a payment you don’t recognise, you can decline it there and then.

Options 2 and 3: Entering a code via text or phone call

If you choose this, we'll send you a code via SMS, or call the number on your Wise account. If you choose a call, you won’t need to speak to anyone! It'll just be an automated voice reading out the code.

You’ll need to enter the code you’ve received on the merchant's website. Here’s how that looks:


Once you’ve entered your code, you’re all done. The page will update, and your payment will go through.

Safer online shopping — wherever you are.

3D Secure is fast becoming the global security standard for how people make purchases online. So if you haven’t seen it before, you’ll likely see it soon!

And if you ever get a notification, SMS, or call for an online transaction you don’t recognise, please get in touch. We’re always happy to help.

This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. The information in this publication does not constitute legal, tax or other professional advice from TransferWise Limited or its affiliates. Prior results do not guarantee a similar outcome. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date.

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