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3D Secure online payment


Additional protection of your Internet transactions with cards


3D Secure is a security system which provides increased security of Internet transactions with cards.


The 3D Secure system makes automatic computer analysis of each Internet payment in order to ensure that the transaction was initiated by the real cardholder. This verification provides additional protection to clients and prevents abuse before it happens.


3D Secure is recognized as a highest international standards for protection of Internet transactions. The 3D Secure mechanism is focused on identity theft protection of card users and protection from abuse of data from the card (card number, expiry date and CVC/CVV2 code).


The protection is at real time and fro each Internet transaction. The service is used while purchasing from any computer, tablet or mobile phone. No password, additional equipment or special software is necessary.


3D Secure for MasterCard cards is used under the name of MasterCard SecureCode®, while for Visa cards under the name of Verified by Visa.


Great number of domestic an international Internet stores (sites) are certified and support the 3D Secure technology. They can be recognized by having the sign of MasterCard SecureCode® or Verified by Visa on their sites, indicating that the web site is legal and safe for buying online.



The service is free of charge


The 3D Secure service is completely free of charge for all users of MasterCard® and Visa cards, issued by Komercijalna Banka AD Skopje, and it is not subject to any subscription or fee.


By introducing the 3D Secure technology Komercijalna Banka allows provides additional security for its clients and safe use of cards on Internet.


All MasterCard® and Visa cards of Komercijalna Banka, both credit and debit ones, are automatically registered for this type of protection. No additional registration or application is required.



How does it work?


For this authentication method, the procedure for buying online is usual.


However, if the system (based on artificial intelligence) assesses that certain transaction is risky or non-standard for the user, it shall not be realized and the client shall be notified to contact the Bank in order to enable the transaction.


It means that not all Internet transactions are subject to verification by contact with the Bank. Additional verification is made only to those transactions assesses as risky ones.


The following message appears on the window when processing the Internet transaction with 3D Secure:





If everything is all right, the transaction shall be realized in a few seconds and the message on the window shall be closed.


In case of a risky transaction, it shall not be realized and the client shall be advised to call the Authorization Center of Komercijalna Banka at the phone number 02/3247-474 which is open 24/7.



Frequently asked questions


What shall I get from this technology?

3D Secure protects your card from unauthorized transactions and provides full safety for you while buying online.


Is use of 3D Secure service charged?

3D Secure service is not charged. It is allowed free of charge for all users of MasterCard® and Visa cards issued by Komercijalna Banka AD Skopje and it is not subject to any subscription or fee.  


Where can I buy with this additional security?

The Internet sites which enable this technology have the signs of MasterCard SecureCode® o or Verified by Visa.


Should the stores without the signs of MasterCard SecureCode® or Verified by Visa be avoid?

The Internet stores that do not have these signs haven’t got the 3D Secure standard, they do not enable transaction authentication and as such they bear increased risks from possible abuse.


Why do we need this new protection? Is it possible that Komercijalna Banka has not seriously considered my security so far?

Your security has always been of high priority for Komercijalna Banka. 3D Secure, i.e. Mastercard SecureCode®  and  Verified by Visa, is a highest international standard for protection which has been introduced by Komercijalna Banka as additional security, in order to provide full safety for you while buying online.


I have received an e-mail from MasterCard SecureCode®/Verified by Visa requesting me to update my data. Is that all right?

Mastercard SecureCode®, Verified by Visa and Komercijalna Banka AD Skopje will never send you an e-mail requesting you to update your data for any reason. If you receive such an e-mail message, it is a fraud attempt and you should immediately report it to the Bank  at the phone number on the reverse side of the card (02/3247-474).



Recommendations for safe buying online

Contact person

Authorization Center,
Working hours: 24/7

Phone: (+389 2) 3247-474
Fax: (+389 2) 3114-232