3D secure verification


Hey, I’d like to see 3D secure verification. I know that you currently support 3D secure, but you don’t want any code or something like that, the transaction is accepted every time, even if seller’s gateway does support 3D secure payments. It would be nice if you would display notification with “accept” and “decline” buttons. It’s much easier than writing code from SMS/notification, as the banks do, and much more secure than just accepting the transaction.



I think they don’t support 3D Secure verification as I’m not able to top up my boon account with my Revolut card. Top up process fails all the time.



They do support it on both directions. They support it for top ups (where I have to enter code from SMS) and they support it for payments, but there is no verification.
You can pay anywhere, it doesn’t matter if the seller supports 3D secure. If he do, the transaction will be 3D secure, otherwise it will proceed without verification.

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Let me clarify: Revolut card is not 3D Secure enabled as you cannot use it with services that require you to verify transaction before it’s executed (Boon being one example).

3DS authentication for top ups is performed from the bank’s card and its backend system.

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Hi @MekliCZ,

It’s on the roadmap, but not in the immediate future.
We’ll keep you posted once we have updates!


CEX.IO & Revolut top up does not work

Revolut card IS 3DS enabled. It depends on bank (Revolut in this case, even if they’re not bank) what verification will they use. Revolut just says that transaction is verified without any verification, but every payment I do on 3DS enabled gateways IS verified using 3DS (and no, those gateways don’t lie and tell me the truth about 3DS ;)).



Were there any followup in this topic ?
Receiving the 3D Secure code in the APP instead by SMS would be a very cool feature. Thx



+1 to support 3D Secure payments.
More and more web merchants require this additional security check nowadays…
What are the news on this ?



That’s one of the things that prevents me from dumping my N26 card.



+1, keeping N26 as well for that reason



+1000, without it its impossible to rely on the revolut card.



Hi, any update from Revolut about the 3ds Support for the Revolut card? It’s really surprising to not support such basic and important features. Can’t use my Revolut card to book a flight ticket… so why paying for the world insurance,… Still need to keep N26 :frowning:



+1 for this idea. This gives us a lot more security

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It also shifts liability to Revolut though, which is probably why they’re taking so long

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And from Revolut directly to the user. Especially with a prepaid card, you’d have to do the impossible to get your money back.

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3D Secure 2.0 is on the horizon and 2FA is going to be mandatory this autumn. Could be just a business decision not to spend resources on 3DS now when the PSD2 compliant 3DS 2.0 needs to be ready this September.



What? No. 3DS shifts liability to Revolut themselves in case of fraud. Currently it’s on the retailer and an obligation for Revolut to try their best to sort the dispute.

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No. As far as the network is concerned, 3DS shifts the liability from the merchant to the issuer. That’s it.

But the issuer has contracts with their customers stating that they must follow X,Y,Z rules to keep their stuff secure. In case of a 3DS transaction Revolut can just take the money from the user’s account because it was either the user who made the purchase, or the user is in breach of contract (e.g. handed an insufficiently secured phone to other people) and therefore liable anyway.
The customer can then take them to court to prove that their 3DS scheme is inherently insecure and therefore it is sufficiently likely that it was not neglect on the customer’s part that led to someone else being able to authenticate on his/her behalf.

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(Carsten Muerl, Mastercard)



3ds is must have… more and more e shops require it. It makes revolut less usable