CKB

3D Secure service

  • Increased internet shopping security
  • One-time SMS code for payment confirmation
  • Free of charge for all CKB clients

Safe internet shopping

In accordance with MasterCard and VISA security requirements, CKB has activated free 3D Secure Code functionality on all payment cards, in order to provide its users with greater security when shopping online.

It is important to note that when paying online to merchants that do not have 3D Secure Code verification provided, you will be able to perform the transaction in the usual way without using the one-time SMS password.

If you have a CKB payment card, for the proper functioning of this service, make sure that your mobile phone number registered in the bank's system has been updated.

You can do this by sending a message via the CKB GO application or by visiting any CKB branch where this service will be provided to you.

If you do not have the correct mobile phone number assigned to your account, you will not be able to make purchases online with merchants that support 3D Secure Code.

Most retailers in Montenegro, Europe and the world already provide these services. For greater security of online payments, look for merchants that provide Mastercard SecureCode, Mastercard ID Check or Verified by VISA service.

How to pay safely online?

  • You need CKB MasterCard or CKB Visa payment card;
  • Active 3D Secure service;
  • When shopping online, 3D Secure dialog box opens on the screen and it is checked whether the card is included in the secure shopping program. You will be asked to enter the authorization code that you will receive on your mobile phone number registered with the bank. The code is unique and has a limited validity of 5 minutes.

Advantages

  • Greater security for online payments through additional identification;
  • Payment can only be made after entering the correct SMS password;
  • You have an advantage in case of dispute of an internet transaction suspected of being fraudulent.

How to activate 3D secure service for free?

Registration, receiving and using of the one-time 3D password via SMS service is free for users of CKB services.

If you do not have a registered mobile phone number in your account in the bank, you will not be able to make online 3D Secure Code purchases. It is necessary to register your mobile phone number in the bank by sending a message via the CKB GO application or by visiting any CKB branch where this service will be provided to you.