Kolo

3D Secure (also known as Visa Secure for Visa cards) is an authentication protocol that adds an extra verification step when you make online purchases. When triggered, you'll receive a push notification or SMS code to confirm the transaction.

You enter your card details on a merchant's website

The merchant's payment system requests 3DS authentication

You receive a verification request via your chosen delivery method

1. You enter your card details on a merchant's website
2. The merchant's payment system requests 3DS authentication
3. You receive a verification request via your chosen delivery method
4. You confirm the transaction
5. Once verified, the payment is processed

Merchants can configure 3DS in different ways:

You confirm in app or enter code on website → tap Approve → payment completes

- You confirm in app or enter code on website → tap Approve → payment completes

If you don't respond within the time limit (usually 90 seconds), the transaction will fail

Simply retry the payment and approve promptly

- If you don't respond within the time limit (usually 90 seconds), the transaction will fail
- Simply retry the payment and approve promptly

Check your Kolo app notification settings or on other delivery methods

Ensure your phone number is correct in your profile

- Check your Kolo app notification settings or on other delivery methods
- Ensure your phone number is correct in your profile
- Try the SMS fallback option if available

Keep the Kolo app installed with notifications enabled for seamless 3DS approval

Respond quickly — 3DS requests typically expire in a few minutes

- Keep the Kolo app installed with notifications enabled for seamless 3DS approval
- Respond quickly — 3DS requests typically expire in a few minutes

3D Secure (3DS) is an additional security layer for online card payments that helps verify your identity and protect against fraud.

3D Secure (3DS) — How It Works

Find answers and get help from Intercom Support and Community Experts

This site employs cookies and other technologies that we and our third party vendors use to monitor and record personal information about you and your interactions with the site (including content viewed, cursor movements, screen recordings, and chat contents) for the purposes described in our Cookie Policy. By continuing to visit our site, you agree to our {websiteTermsLink}, {privacyPolicyLink} and {cookiePolicyLink}.

This site uses cookies and similar technologies ("cookies") as strictly necessary for site operation. We and our partners also would like to set additional cookies to enable site performance analytics, functionality, advertising and social media features. See our {cookiePolicyLink} for details. You can change your cookie preferences in our Cookie Settings.

We use cookies to make our site work and also for analytics and advertising purposes. You can enable or disable optional cookies as desired. See our {cookiePolicyLink} for more details.

Advertising cookies are set by our advertising partners to collect information about your use of the site, our communications, and other online services over time and with different browsers and devices. They use this information to show you ads online that they think will interest you and measure the ads' performance. Social media cookies are set by social media platforms to enable you to share content on those platforms, and are capable of tracking information about your activity across other online services for use as described in their privacy policies.

These cookies enable the website to provide enhanced functionality and personalisation. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these cookies then some or all of these services may not function properly.

These cookies are necessary for the website to function and cannot be switched off in our systems.

These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site.

You have the right to opt out of the sale of your personal information. See our {cookiePolicyLink} for more details about how we use your data.

Your Privacy Choices

We use cookies to enhance your experience. You can customize your cookie preferences below. See our {cookiePolicyLink} for more details.

Cookie Settings

Link, Press control-option-right-arrow to exit

Empty Help Center

Uh oh. That page doesn’t exist.

Disappointed

Neutral

Smiley

Thinking...

Searching through sources...

Analyzing...

Tickets submitted through the messenger or by a support agent in your conversation will appear here.

Method	Description
In-app confirmation	Approve directly in the Kolo app via push notification
SMS	Receive a one-time code via text message to your phone
Email	Receive a one-time code via email
Telegram	For Telegram bot users — receive verification in your Telegram chat
Wallet screen	Confirmation displayed directly on your wallet section

Type	Description	Example
Always ask	3DS verification is required for every transaction	High-security merchants, government services
Ask first time	3DS is required only on your first purchase; subsequent transactions are remembered	Subscription services, streaming platforms
Ask every time	3DS is triggered for each transaction, regardless of history	Travel bookings, high-value purchases
Risk-based	3DS is triggered only for suspicious or high-risk transactions	Most e-commerce stores

3D Secure (3DS) — How It Works

What is 3DS?

How it works

3DS delivery methods

Types of merchant 3DS behavior

Common 3DS scenarios

✅ Successful verification

⚠️ Verification timeout

❌ 3DS not received

Tips