As part of ongoing efforts to increase your security and protect you from fraud, the 3D‑Secure authentication scheme is used for all Expend cards.
3D-Secure (three-domain secure) is a security protocol to prevent fraud in online transactions made with credit and debit cards. It adds an extra layer of security whenever you make online transactions with supported merchants.
When you make an online payment with your Expend card, you’ll be presented with a 3D-secure form to complete.
You will be prompted to enter the following details:
Code: This is the six-digit code (OTP) sent to your mobile number.
Memorable Word: A word you are required to set for your Expend card.
For more details, see Setting your memorable word.
The 3D-Secure form may look like the one below:
On this form, you should fill in the details as follows:
Code: the six-digit OTP sent via text message
Memorable Word: your memorable word
Please ensure all of your information is correct before submitting. If you submit incorrect information, the transaction will be denied and your card may be blocked. If this happens, please contact our support team by clicking the chat button in the lower-right corner in the web app, or via the in-app chat on the mobile app.