ONLINE BANK CARD PAYMENT INFORMATION
More security thanks to the new 3D-SECURE and SecureCode system
Since October 1, 2008, security has been strengthened for credit card payments thanks to the 3D-SECURE system implemented by the majority of major banks. From now on, you must enter an additional authentication code to make a credit card payment on our online store. This authentication is done directly on your own bank's website. This is intended to greatly reduce the chances of fraudulent use of your credit card because even in the event of credit card theft, it could not be used without knowing the authentication code.
Without the 3D-SECURE device
It was possible to pay simply with your credit card number, expiration date, and the three-digit icon on the back of your card. This allowed your cardholder (whoever they were) to use your card without your consent.
With the 3D-SECURE and SecureCode device
You have a special, personal code dedicated to your online purchases. This code allows you to authenticate yourself and ensure that the cardholder is making the payment. It is no longer possible to use your bank card without your consent.
Concretely, to pay for an order with 3D-SECURE
- You must enter your credit card number, expiry date and icon as usual on the website of our banking partner Société Générale.
- You will then be redirected directly to your bank to enter the authentication code.
- Once this information has been entered and validated by both banks (our bank Crédit Agricole and yours), you will be automatically redirected to our online store.
How do I find my 3D-SECURE or SecureCode authentication code?
Depending on your bank, this code will either be assigned to you directly or you will be asked to define it the first time you make an online payment by credit card (varies depending on your bank's policy and the type of card). Some banks will ask you for your date of birth, for example, while others will ask you to create this code the first time you use it. You can contact your bank directly for more information about your authentication code.
What happens if authentication is not successful?
If authentication fails after 3 attempts, your bank card will be deactivated. It will no longer be possible to make an online payment with your card. However, you can continue to use your bank card normally to withdraw cash or pay via a physical bank payment terminal. You will need to contact your bank to reactivate your bank card for online payments.
For more information, you can connect directly to the MasterCard website, the Visa website, or that of your bank.