3D-Secure (3DS) aims to protect your online transactions by preventing fraud attempts while ensuring the legitimacy of customers to merchants.
How does 3DS work?
If the merchant uses the latest version 3DSv2, and strong customer authentication (SCA) is enabled for your Qonto account, you will need to confirm the operation through the Qonto notification received on the associated phone. This is the most secure and recommended method.
If the merchant uses the old version of 3DS and/or you have only two-factor authentication (2FA) enabled on your Qonto account, 2FA will be applied. You will receive a unique code via SMS to the phone number associated with the Qonto account. The code must be entered on the payment page.
This authentication is mandatory, even when multiple payments are made close together in time.