3D Secure
– Pay safely online

3D Secure is a free of charge method of identity verification when paying online with a card. Thanks to it your internet payments get extra protection.

As of 1 January 2021 when paying in online stores and applications that support 3D Secure payments, you may be asked to authorize the transaction using new additional card user verification methods.

 

More about the changes

3D Secure

It works automatically

for all our cards.

Use websites and applications

marked with the "Verified by Visa" or "Mastercard SecureCode" logo.

No extra costs

– our protection is free of charge.

Pay safely by card on the internet

– authorize transactions via new ING Business module for ING card users, among others.

What has changed from 1 January?

Till 31 December 2020 you confirmed online card payments with SMS codes. Check how to do it from 1 January 2021.

If you use ING Business

x
  1. 1

    Select card payment

    on the store's website or in the app

  2. 2

    Enter the card number, expiry date, CVC2 code and then confirm

     

  3. 3

    You will see a page with transaction details

    and a request to confirm it in ING Business module1

  4. 4

    Log in to the new ING Business system1 for card users

    for card users. If you do not have access to it, please register.

  5. 5

    Check the payment details

    and if everything is correct, confirm with the SMS code that will be sent to your phone

1On the 1st of January 2021 the new ING Business module for ING cards users was released. The new system will replace ING CardsOnLine soon. In order to authorize online card payments via ING Business, you will have to register and activate 3D Secure method of authentication.

If you do not use ING Business

x
  1. 1

    Choose the card payment option

    on the website

  2. 2

    Enter the card number, expiry date, CVC2 code and then confirm

     

  3. 3

    Check the transaction details

    If everything is correct, confirm with the SMS code that will be sent to your phone. Then click "continue"

  4. 4

    Enter the card’s PIN code

    Your PIN is safe, it will not be transferred to the store. It is only used to confirm your payment

We recommend authorizing the transactions via ING Business.

How to prepare

If you want to authorize online card payments via ING Business banking, you must:

  1. 1

    Register in the new ING Business module for card users.

    Go to https://ingbusiness.pl/gib/card-user-activate and follow the instructions.

  2. 2

    Activate 3D Secure transactions authorization via ING Business.

    You can do it in the Account settings section / online payments.

Why are we introducing changes?

This is the result of the EU directive PSD2, implemented in Poland by the Payment Services Act, which imposes on us an obligation to apply the so-called strong authentication that requires additional verification of the user's identity.

More about PSD2