3D Secure, the new way of online payments 

The world of online payments is always looking for ways to improve its security. This is why begin 2021 most European merchants will start using 3D Secure technology to ask users to authenticate their online payments.

All of this is in line with the 2nd European Payments Directive which aims to enhance the security of online payments and reduce the fraudulent use of credit cards.

This means that there will be some changes in the way you pay online:

1.    Your card(s) need(s) to be registered for 3D Secure use
2.    You need a LuxTrust Token, or even better LuxTrust mobile!

What should you do depending on your situation ?

What is 3D Secure? 3D Secure is a technology that allows the identity of credit card users to be verified when transactions are made on sites carrying the Verified by Visa or Visa SECURE logos. It’s main objective is to prevent the fraudulent use of credit cards.

You can read more information about 3D Secure and how it works here

What is a LuxTrust Token? A LuxTrust Token is a small device that allows you to identify yourself electronically. The token is linked to a certificate given out by LuxTrust once you have been properly identified in a face to face conversation or via a video identification.

You can read more information about LuxTrust here

Prepare your card for 3D Secure

1.      You will need a LuxTrust Token to connect your credit card to 3D Secure. You can either get:

2.      Register your card(s) via www.3ds.lu. Just follow the instructions on the screen, by choosing the Token device, not the SMS it will be out of use as from 31/12/2020.

3.      Once your card(s) has/have been linked to 3D Secure you can use it for your online payments together with your LuxTrust Token. To make life even easier, you can digitalize your token in the LuxTrust Mobile app, so you can validate your payments from your phone. More about LuxTrust Mobile


Due to increased security measure, the SMS validation method will disappear from 3D Secure. It will be replaced by a validation via LuxTrust.

What is a LuxTrust Token? A LuxTrust Token is a small device that allows you to identify yourself electronically. The token is linked to a certificate given out by LuxTrust once you have been properly identified in a face to face conversation or via a video identification.

Prepare your card for the future

1.      You will need a LuxTrust Token to validate your payments with 3D Secure. You can either get:

a.      a free token by asking your relationship manager for free access to My ING, our online banking services

b.      a paying token via www.luxtrust.lu

2.      Link your LuxTrust Token to your card(s) via www.3ds.lu. Just follow the instructions on the screen, by choosing the Token device, not the SMS it will be out of use as from 31/12/2020.

3.      Once your card(s) has/have been linked to your token you can use it for your online payments. To make life even easier, you can digitalize your token in the LuxTrust Mobile app, so you can validate your payments from your phone. More about LuxTrust Mobile


What is 3D Secure? 3D Secure is a technology that allows the identity of credit card users to be verified when transactions are made on sites carrying the Verified by Visa or Visa SECURE logos. It’s main objective is to prevent the fraudulent use of credit cards.

1.      Link your LuxTrust Token to your card(s) via www.3ds.lu. Just follow the instructions on the screen.

2.      Once your card(s) has/have been linked to your token you can use it for your online payments. To make life even easier, you can digitalize your token in the LuxTrust Mobile app, so you can validate your payments from your phone. More about LuxTrust Mobile


Due to increased security measure, the SMS validation method will disappear from 3D Secure. It will be replaced by a validation via LuxTrust.

1.      Make sure your card(s) is/are linked to your LuxTrust Token. If necessary, you can link them via www.3ds.lu. Just follow the instructions on the screen.

2.      Once your card(s) has been linked to your token you can use it for your online payments. To make life even easier, you can digitalize your token in the LuxTrust Mobile app, so you can validate your payments from your phone. More about LuxTrust Mobile

Articles that might interest you

  • The queen of cards. There are many different types and they offer many possibilities other than cashless payment, from differed repayment to additional guarantees on purchases.

  • 3D Secure is an internationally recognised security standard for online payments. The service is limited in Luxembourg to credit cards.

  • If it’s true that when we shop in a store and handover physical cash, the pain of paying finds the act prompts more awareness about spending, and parting with cash may even hurt a bit more than swiping a bank card.

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