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Authenticate 3D Secure Payment

Learn what 3DS Authentication is and how to complete it.

Zoomo Operator avatar
Written by Zoomo Operator
Updated over 2 weeks ago

Understanding 3DS Authentication

Your local jurisdiction and your Bank impose 3DS Authentication. This may occur more frequently if you're using a Card issued in a Country other than your current one, such as a Mexican Bank Card in the US or a Japanese Bank Card in Australia.

A 3DS Authentication is a message delivered by your Bank to Zoomo when we try and take payment in-store or during the lifetime of your Subscription with Zoomo.

It's a way for your bank to tell Zoomo to double-check the payee (you) before accepting payment.

You can complete 3DS Authentication yourself or with the help of our Team.

Completing 3DS Authentication

If you add a payment method via the billing portal, your card issuer (such as VISA or Mastercard) might display a loading spinner. After that, you may receive:

  1. A Push Notification from your Bank

  2. A Text Message from your Bank

  3. An Email from your Bank

  4. An Authentication Message from your Bank

You will need to action the message with your Bank before being able to add the Payment Method.

After completing 3DS Authentication successfully, you will see your Payment Method added to your account.

Failed 3DS Authentication

Sometimes 3DS Authentication may fail for a variety of reasons. If this happens, you’ll need to try adding a different card to your account. Please ensure that:

  1. The cardholder name matches the customer name on your Zoomo account

  2. The card is issued in the same region where you're trying to make the purchase

Below is an example of a failed 3DS Authentication message you might see:

We are unable to authenticate your payment method. Please choose a different payment method and try again.

Fixing a Failed 3DS Authentication Payment Method

If you see a 3DS Authentication error, try the following steps:

  1. Add a different payment method

  2. Complete the 3DS Challenge

If that fails, you may need to use, or acquire, a different Payment Method.

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