3DSecure Service


Between 23rd of November 2020 and 31st of December 2020, the working schedule within all the OTP Bank territorial units will be, from Monday to Friday, between 10 AM and 5 PM.
Find out more.

3DSecure Service

When you own a business, it is essential to manage your time so that you focus on all the important aspects. Shopping is just a click away, and offers are closer than ever when you know it is safer to pay with your card on the Internet quickly and easily.

We are constantly improving the security of e-card payments (E-Commerce). 3D Secure technology guarantees you the security of payments made online through new authentication methods. Save yourself the trouble of paying refund and enjoy the fulfilment of your wishes.

Increased security and comfort when making transactions in the virtual environment

Entering into a large market of merchants, quality users of 3D Secure

Enjoy this service at no additional cost

What is 3D Secure Technology?

  • An authentication standard developed by the International Mastercard and VISA Card Organizations which ensure that online card transactions (E-Commerce) are made under strict security conditions, providing  protection to cardholders through authentication methods;

  • The secure e-commerce system is implemented on merchants websites under the name "Mastercard Identity Check" for Mastercard and "Verified by VISA" for VISA cards, and can be identified through logos;

    Image removed.                Image removed.

  • An extensive market of merchants with quality users of 3D Security technology;

  • 3D Secure service is offered with 0 cost and all the cards issued by OTP Bank Romania are automatically enrolled in this system.

How does it work?

  • 3D Secure technology benefits from new legislative regulations and provide increased security for online transactions made with cards issued by OTP Bank Romania.

    Thus, with the SmartBank mobile app now you can authorize online payments made through OTP Bank cards, much more securely and quickly, using the biometric authentication (digital fingerprint or facial recognition) available on your mobile phone.

  • Access SmartBank mobile app for free from your Android or iOS phone:


  • Enroll your OTP Bank card in SmartBank mobile app, OTPcards biometrics menu by using the last 10 digits of your card number and the last 6 digits of your CNP. Confirm the card's registration by a verification code received on your mobile phone communicated to the bank and Congratulations! You can now authorize online payments made with the enrolled card on your mobile phone via biometric authentication.

  • After enrolling the OTP Bank card for biometric authentication, all your online card payments made on merchants' websites enrolled in the 3D Secure system as well, will be done as follows:
                   -    Choose the product you want, complete the order and make the payment by entering card data (card number, expiry date, CVV/CVC code);
                   -    You will receive a push notification on your mobile phone, which will direct you to SmartBank app, in the transaction data screen (amount, currency, merchant name) so that you can approve your online payment through biometric authentication established on your phone;
                   -    If you've changed your mind or don't recognize the payment, you can reject it from the same screen;
                   -    If you want to disable the biometric authentication option for online payments made with the OTP Bank card, you can delete the enrolled card from the SmartBank mobile app, OTPcards biometrics menu, Unregister option.

Convince yourself how simple it is!

Go to the tutorial below and see how you can authorize online payments made with your OTP Bank card on your mobile phone.

If you don't want to authorize online payments through biometric authentication, the authorization can be done also as before, using the 3D Secure dynamic password. For each online payment made, you receive a dynamic, unique password via SMS to the mobile phone number communicated to the bank, which you must enter on the merchant's payment page.

To enjoy secure payments through 3D Secure service, please make sure that your mobile phone number communicated to the bank is correct and current (if necessary, updating it can be done at any OTP Bank branch or by calling 0213085711).

See here the Specific Terms and Conditions for using the 3D Secure service.

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