3D Secure or Payer Authentication (MasterCard® SecureCode™ and Verified by Visa) provides an additional layer of security and protects you, the cardholder, when making an online purchase using a debit or credit card. Your bank identifies you using a previously selected One-Time Pin or password and therefore knows that it's you shopping online. In doing so, no fraudulent transactions can be made if your card has been lost or stolen - giving you more control of your shopping experience. You can shop in total confidence knowing that your credit card details are safe and secure.