F.A.Q. 3D Secure
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Frequently Asked Questions for 3D Secure 

1. What is 3D Secure?

3D Secure is a protocol used as an added layer of security for online credit and debit card transactions. This is achieved by adding another authentication step for online payments.

2. How does it work?

If you haven’t purchased a product or service online using 3D Secure before on any website, you will be redirected to your issuing credit card’s secure website where you must verify some personal details and select a password. This is integrated into our payment facility. You must never disclose this password to anyone – this is how you guarantee your card is secure. Do not write your password down anywhere.

3. Who developed 3D Secure?

It was developed by Visa and named “Verified by Visa”. MasterCard then developed a service based on the same protocol called “MasterCard® SecureCode™”.

4. Why was 3D Secure developed?

It was developed to improve the security of Internet payments by offering an extra layer of security to customers before making a purchase online. This involves selecting a password. This ensures your credit/debit card cannot be used fraudulently as only you will know the associated password.

5. Why is it called ‘3D Secure’?

'3D Secure' stands for "3 Domain Secure" as there are 3 parties involved in the online payment process: mybills.ie, our Bank, and Visa or MasterCard.

6. Were my payments secure before 3D Secure?

All your payments through www.mybills.ie are secure and there is nothing to worry about. This additional step simply removes the possibility of someone else using your card fraudulently. mybills.ie has always used the strongest security standards and will continue to do so.

7. Do I need to update my card or get a new one before using 3D Secure?

No, your existing card can be used.

8. I have a Laser debit card, how does 3D Secure affect me?

Your Laser card can be used once it is a Maestro card. Laser (Maestro) cards are processed through the “MasterCard® SecureCode™” element of 3D Secure. If you have a Visa debit card, it is processed through the “Verified by Visa” programme.

9. Is 3D Secure free?

Yes, 3D Secure is a free service provided by Visa and MasterCard.

10. Do I need special software for 3D Secure?

No, 3D Secure will operate in your web browser as a webpage – you will not need to download any additional software or plugins.

11. Will 3D Secure add extra time to my purchasing experience?

The 3D Secure authentication process is smoothly integrated into our online payment process and will only add a few seconds to the normal transaction time. We believe this is a small price to pay for increased protection for our customers.

12. I have used 3D Secure before, what do I need to do?

If you have purchased a product or service online using 3D Secure before, you will be asked to submit your chosen password during the purchasing process. You will be familiar with the process.

13. What password should I select?

The password you decide to use should be chosen in such a way that nobody else can guess it. A secure password is ideally:

  • A minimum of 8 characters (preferably longer) in length
  • A mixture of letters, numbers and characters
  • Never use a dictionary word or anything which might be associated with you (eg. Nicknames, birthdays, pet names etc.)
  • You should select a password that only you can memorise – do not write it down anywhere
  • Do not select a password that is the same as your mybills.ie account.

14. I can’t remember my 3D Secure Password, who do I contact?

If you can’t remember your 3D Secure password you need to contact your bank or in the 3D Secure section there will be an option to select "Forgotten Password" or "Retrieve Password". Follow the instructions provided.

We don’t save your 3D Secure password on any mybills systems; when you selected your password this was saved only on your bank’s computer system.

Mybills will never contact a customer to ask for your 3D Secure password and we cannot help you retrieve forgotten 3D Secure passwords.

15. I don't wish to register with 3D Secure - can I still pay online using the mybills One-off payment?

Unfortunately not.

16. How can I find out more details about 3D Secure?

For further details on 3D Secure you should contact your issuing bank or the following websites:

17. What does my bank or card provider say about 3D Secure?

18. What will I expect to see?

On the payment details page, you enter your credit or debit card details as normal, and press the submit button.

On the next page, card verification will begin. Read the supporting text and then press the “Continue” button to start the communication process with your bank to validate your card. This will happen to the right of this text. In this panel, any details you enter is through a direct secure link with your bank. Mybills.ie has no control over what the bank will ask you, and we do not record any information you enter into this panel.

Here’s an example of a Visa card starting the verification process:

Here’s an example of a MasterCard starting the verification process:

Here’s an example of a Laser (Maestro) card starting the verification process:

In all cases, when you press the green "Continue" button, the bank's 3D Secure interface will load to the right hand side.

To give you an idea of what to expect in the right hand panel, here’s an example of a Bank of Ireland interface using a Visa card:

Here’s an example of an AIB interface using a MasterCard:

Please note that depending on your card issuer and bank, different security questions may be asked. Mybills.ie have no control over what is displayed in the bank's credit card interface - just follow the instructions onscreen.

19. How do different cards behave?

Scenario 1 – ALL CARDS: If your card issuer hasn’t implemented 3D Secure, you will continue your payment transaction as normal;

Scenario 2a - MASTERCARD: If your bank has implemented 3D Secure but you have not registered for 3D Secure before, you may have 3 attempts to skip the 3D Secure process – on the fourth attempt you must complete the transaction through the 3D Secure process by registering a 3D Secure password;

Scenario 2b - VISA: If your bank has implemented 3D Secure but you have not registered for 3D Secure, you must complete the transaction through the 3D Secure process by registering a 3D Secure password – there are no options to bypass;

Scenario 2c – LASER (MAESTRO): If your bank has implemented 3D Secure but you have not registered for 3D Secure, you must complete the transaction through the 3D Secure process by registering a 3D Secure password;

  • When registering for the first time, you must first verify you are the cardholder by answering some security questions as chosen by your bank (eg. your mother’s maiden name, your credit card limit, your CCV number, your expiry date amongst other potential questions);
  • If successful, you select a 3D Secure password, a password reminder hint and a personal greeting;
  • If unsuccessful, you must ring your card issuing bank (depending on your card issuer, you may have three attempts to enter your password);
  • The personal greeting gives you confidence you are visiting a trusted site the next time you complete a 3D Secure transaction on mybills.ie or any other 3D Secure enabled website.

Scenario 3 – ALL CARDS: If your card issuer has implemented 3D Secure and you have previously registered a 3D Secure password (on mybills.ie or any other 3D Secure website), you have to insert your 3D Secure password to complete the transaction. You will see your personal greeting that you previously set (eg. Welcome back Mary) to reassure you that you are on a trusted 3D Secure page. If you cannot remember your password, there is a password reset facility.

20. I am experiencing difficulties with 3D Secure in Internet Explorer - what's happening?

A small minority of customers may experience difficulties completing a payment through 3D Secure - they are presented with an 'Internet Explorer cannot display this webpage' at the verification stage.

This maybe because of a setting in your Internet Explorer options (it should be enabled by default but maybe inadvertently disabled on some computers).

Please follow these instructions if using Internet Explorer:

  • In Internet Explorer, press “Tools” > select “Internet options” > select “Advanced” tab
  • Scroll down towards the bottom and ensure “Use TLS 1.0” is ticked, then press OK
  • Close the browser, reopen it and start from mybills.ie again

21. I am experiencing difficulties with 3D Secure in Firefox - what's happening?

A small minority of customers may experience difficulties completing a payment through 3D Secure - they are presented with the following error message at the verification stage – 'the connection was interrupted'

This maybe because of a setting in your Firefox options (it should be enabled by default but maybe inadvertently disabled on some computers).

Please follow these instructions if using Firefox:

  • In Firefox, press “Options” > select “Advanced” tab
  • Press the “Encryption” sub-tab and ensure “Use TLS 1.0” is ticked, then press OK
  • Close the browser, reopen it and start from www.mybills.ie again

22. I am experiencing difficulties with 3D Secure in Opera - what's happening?

A small minority of customers are experiencing difficulties completing a payment through 3D Secure - they are presented with a 'Could not connect to proxy server' at the verification stage.

This maybe because of a setting in your Opera options (it should be enabled by default but maybe inadvertently disabled on some computers).

Please follow these instructions if using Opera:

  • In Opera, press “Tools” > select “Preferences”
  • Press the “Advanced” tab and select "Security" to the left
  • Press "Security Protocols" and ensure “Enable TLS 1” is ticked, then press OK
  • Close the browser, reopen it and start from www.mybills.ie again

*PLEASE NOTE: These FAQs are for your assistance and to help you with the most common problems experienced by users of mybills.ie. These FAQs DO NOT replace the Terms and Conditions that apply to the use of the mybills.ie service and/or the terms the use of this website and/or the various policies, statements and legal requirements that apply to the mybills.ie service.

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