The 3-D Secure system is an additional fraud prevention scheme for online purchases.
As part of our partnership with MasterCard, online payments with Qonto Debit cards are possible on a majority of websites supporting 3-D Secure. However, a few authentication methods, like the SMS verification code, are still not supported. Our team is aware of this issue and is doing its best efforts to fix it.
In case of rejected payment due to a 3-D Secure issue, the transaction won’t be executed but the amount of the transaction will be held as “pending” for a maximum of 11 days on your account.