If your club has enabled online payments via Paymark, you may wish to consider adding 3D secure to make the online purchasing of your items safer for your members.

3D secure is an additional layer of security to make online transactions safer by authenticating a cardholder's identity at the time of purchase. It's provided by Visa as 'Verified by Visa', and by Mastercard as 'Mastercard SecureCode'.

3D secure works by adding an additional step to the authentication of online payments. In order to complete a transaction using a credit or debit card, a cardholder must provide additional proof of identity, such as a password or other information known by the cardholder. Control over what details are needed to verify the cardholder, sits with the issuing bank for the card used.

So why should you club consider enabling 3D Secure?

• Block stolen card number fraudulent transactions at the online checkout;
• Help protect against chargebacks claimed as unauthorised by the cardholder;
• increase member confidence in the safety of making payments online.

3D Secure is available for most banks, and is free of charge. For more information on 3D secure and to enable it for your club, get in touch with your bank's merchant services. If you are prompted about your e-commerce site, you can advise your merchant services about:

1. Your club's website
   1. This is where members see information about your club and details of payment;
2. MyCOMET
   1. This is where members logon, view your club's items and access the payment gateway;
3. Paymark
   1. The payment gateway used to make payment for your club's items.

Article added: Friday 15 February 2019