Upgrade of 3D Secure Technology to 2.0

Shop Online with Added Security and Confidence, with 3D Secure Technology, only from First Citizens.

Now, we are upgrading the 3D Secure Technology making it simpler, faster, easier and even safer to shop online.

3D Secure 2.0 is an updated version of the original 3D Secure Technology designed to enhance customer experience and strengthen the security of online transactions.

With 3D Secure Technology 2.0 cardholders can look forward to an enhanced online shopping user experience as you will no longer be required to enrol for the service and have a password to shop online.

Cardholders are automatically enrolled and automatically authenticated when shopping online at 3D Secure Merchants.

3D Secure Technology Comparison

3D Secure (Old Version)	3D Secure 2.0 (New Version)
1. Cardholders must have three key pieces of information to register for the service.	1. Enhanced customer experience as cardholders are automatically registered for the service.
2. Cardholders must register for the service and create a Password and Personal Message to shop online at a 3D Secure Merchant.	2. No password is required to shop online at a 3D Secure Merchant making the service simple, fast and easy.
3. Cardholders must enter their password each time they shop online at a 3D Secure Merchant to authenticate the transaction.	3. Cardholders are automatically authenticated when completing an online transaction through the capture of key information which is then utilized to analyse and trend customer behaviour.
4. Transaction abandoned whenever cardholders are unable to remember their password.	4. Seamless transaction as you are no longer required to remember and enter a password each time you shop online.
5. Cardholders who forget their password must re-register for the service to set up a new password.	5. No need to call the bank again for “forgotten passwords”, “incorrect password” or “account locked” messages.
6. Cardholders are required to contact the bank in the event their account becomes locked after entering their password incorrectly after three times.	6. No need to contact the bank.

The technology is offered on First Citizens VISA and Mastercard credit cards, known as Verified by Visa and Mastercard SecureCode respectively. The service also applies to the First Citizens Prepaid Mastercard.

The Verified by Visa and Mastercard Secure Code services have been upgraded and all cardholders have been automatically enrolled for the service.

3D Secure stands for Three Domain Secure – a unique technology behind the global programs Verified by Visa and Mastercard®SecureCode™ designed to ensure safe online shopping by further authentication of the customer’s identity.

Verified by Visa and Mastercard SecureCode captures and trends key information about cardholders during your online shopping.

This information is analysed to further strengthen your online purchase with First Citizens credit cards.

First Citizens Visa and Mastercard credit and prepaid cardholders will no longer be prompted to register for either the Verified by Visa or Mastercard Secure Code Service prior to completing their purchase at online merchants who subscribe for either the Verified by Visa or Mastercard SecureCode service from their bank.

Visit our Frequently Asked Questions section for answers to all your questions.

First Citizens VISA Customers – click here for Verified by Visa FAQs
First Citizens Mastercard Customers – click here for Mastercard SecureCode FAQs
One Time Passcode (OTP) Authentication – click here for One Time Passcode (OTP) FAQs

Choose to shop online with the added security and confidence that only Verified by Visa or Mastercard SecureCode from First Citizens can bring you!

Command	What it does
BAL	Retrieve balance for default account
BAL <Insert Nickname> For Example: BAL Sav1	Retrieve balance on a registered account using account nickname
BAL ALL	Retrieve balance for all registered account
HIST	Retrieve list of the 10 most recent transactions posted on default registered account
HIST <Insert Nickname> For Example: HIST Sav1	Retrieve list of the 10 most recent transactions posted on a registered account using a nickname
HIST d, from <date> to <date> For Example: HIST d, from 04-05-2020 to 06-05-2020	Retrieve list of posted transactions on default registered account with date range specified, (maximum of 10 transactions)
HIST <nickname> d, from <date> to <date> For Example: HIST Sav1 d, from 04-05-2020 to 06-05-2020	Retrieve list of posted transactions on a registered account using account nickname, within the date range specified,(maximum of 10 transactions)
HIST c, from <low cheque number > to <high cheque number> For Example: Hist c, from 200 to 205	Retrieve list of posted cheques on your default registered account, within the cheque range number range specified
HIST <nickname> c, from <low cheque number > to <high cheque number> For Example: Hist Chq1 c, from 200 to 205	Retrieve list of the posted cheques on your registered account, with a nickname, within the cheque number range specified
RTRA	Retrieve list of the 3 most recent posted transfers from your default registered account
RTRA <nickname> For Example: RTRA sav1	Retrieve a list of the 3 most recent posted transfers from your registered account with a nickname
RTRA ALL	Retrieve a list of the 3 most recent posted transfers from all your registered accounts
TRAN <nickname1> <nickname2> Amount For Example: tran ck1 ck2 100	Transfer amount between accounts using nicknames
TRAN <nickname1> <Amount> For Example: tran ck2 500	Transfer amount from the default registered account to the specified registered account using the nickname
TRAN <nickname1> <Amount> <Date> For Example: tran ck2 500 04-10-2020	Transfer amount from the default registered account to the specified registered account with the nickname, for a scheduled future date.
TRAN <nickname1> <nickname2> <Amount> <Date> For Example: tran sav1 ck1 500 04-10-2020	Transfer stated amount from a registered specified nicknamed account to a second registered nicknamed account, for a scheduled future date.
HELP BAL	Retrieve information on the format of the balance commands
HELP TRAN	Retrieve information on the format of the Transfer commands
HELP RTRA	Retrieve information on the format of the Recent Transfers commands
HELP HIST	Retrieve information on the format of the Account History commands
HELP	Retrieve information on the format of the Help command
STOP	Unsubscribe your mobile device from receiving First Citizens SMS Alert messages

Upgrade of 3D Secure Technology to 2.0

Shop Online with Added Security and Confidence, with 3D Secure Technology, only from First Citizens.

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