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Introducing 3d Secure

At Points West Community Bank, your safety is our priority. With 3D Secure, you will have an extra layer of protection to your online debit card transactions.

Fiserv’s 3D Secure is a system that adds an extra layer of protection when you’re shopping online with your debit card. Think of it as a security checkpoint. When you enter your payment details on a website, instead of just processing it right away, the system pauses and asks your bank to make sure it’s really you. It might ask for a fingerprint, a face scan, or send a one-time passcode to your phone to verify.

This extra step helps prevent fraud by making sure the person making the purchase is the actual cardholder. After this quick check, your payment is approved, and you continue shopping like usual. It’s a behind-the-scenes way to keep your money and information safer during online shopping.

Here’s a quick summary of 3D Secure and its benefits:

  • Extra Protection for Online Shopping: 3D Secure adds an extra layer of security when using your debit card online, helping to prevent fraud.
  • Safer, Faster Transactions: With biometric, two-factor, and passive authentication methods, you can shop confidently knowing your identity is verified.
  • Peace of Mind: 3D Secure ensures your online payments are monitored and authenticated, keeping your money and personal information safe.

How It Works:

  • You’ll receive a one-time passcode (OTP) via text or email when making online purchases, if and only if your transaction is detected as medium-to-high risk.
  • Simply enter the OTP at checkout to confirm it’s you.
  • The passcode expires in 10 minutes to keep your information safe.

Why You’ll Love It:

  • Enhanced protection against fraud
  • Peace of mind when shopping online
  • Fast, secure, and easy to use

If a transaction from your card is deemed medium-to-high risk by our system, you will receive a text or an email that looks like the following:

The text message will come from the 33072 number, and the email will come from noreply@enfactnotifications.com. It might be helpful to add “PWCB Secure” to your contacts with this phone number and email address. Doing so might help avoid confusion for you in the future.

Frequently Asked Questions

With fraud at an all-time high, we understand you may have questions. We’ve already answered the frequently asked questions for you. If you have more, please contact us via the form below or at 833-226-7474.

What is a One-Time Passcode (OTP) for 3D Secure?

A one-time passcode (OTP) is a special six-digit number that is randomly generated and sent to you by text or email when you make certain online purchases. This is an extra security step to make sure it’s really you using your card. You simply enter the passcode to complete your purchase, adding an extra layer of protection for your online transactions.

How does the One-Time Passcode (OTP) for 3D Secure work?

Fiserv’s 3D Secure uses a system to assess the risk of your online purchases. If the transaction seems safe, it will go through without extra steps. If there’s a medium risk, Fiserv will send a one-time passcode (OTP) to your phone or email to make sure it’s you. You’ll enter this passcode on the checkout page to confirm your identity. If the risk is high, the transaction may be denied for your protection. This process helps keep your online transactions safe and secure.

Do 3D Secure one-time passcodes expire?

Yes, a one-time passcode (OTP) will expire 10 minutes after it’s sent. If you don’t use it within that time, you’ll need to request a new one. This time limit helps keep your transaction secure.

What happens if I enter the wrong passcode during 3D Secure?

If you enter the wrong one-time passcode (OTP), you’ll be notified that it’s incorrect and asked to try again. You can make up to three attempts. If all three are incorrect, the authentication will fail, but you can still try the transaction again from the start.

What if I don’t receive my one-time passcode (OTP)?

If you don’t get your one-time passcode after choosing how you want it delivered, you can request the OTP to be sent again. You can either have it sent to the same method you chose before or try a different option if it’s available.

What happens if I enter the wrong one-time passcode (OTP)?

If you enter an incorrect OTP, you’ll get a message letting you know it’s incorrect and asking you to try again. You can make up to three attempts. If you don’t get it right after three tries, the authentication will fail, but you can still start the transaction over again.

How many times can I ask for my one-time passcode (OTP) to be resent?

You can click the ‘Resend’ button up to three times if you don’t receive your OTP. After that, the option to resend will no longer be available.

What are some reasons my one-time passcode (OTP) might not work?

There are a few reasons your authentication might fail:

  • You’ve entered the wrong OTP too many times.
  • The OTP has expired.
  • There are technical issues.
  • Your contact method hasn’t been updated with Points West.

If you do encounter a failure, don’t worry—you can try the transaction again.

If you still have questions, please reach us using the form below! Select “other” and type your question into the box.