Information

New Payment Regulations

Online payments: 3D Secure Lounge Pass 

To use this facility, your card provider must be participating in the 3D Secure scheme. 

What is 3D Secure? 

3D Secure (also known as Verified by Visa, Mastercard Secure Code and American Express SakeKey) acts like a Chip & Pin for your online purchases and protects you by asking for a secret password. 

Why has Lounge Pass implemented 3D Secure? 

Lounge Pass treats your payment security with the highest priority and implemented Payment Authentication (3D Secure) so that you have peace of mind that your transaction is being dealt with securely.  

3D Secure allows your card issuer the ability to fully authenticate cardholders during the online purchase process, thereby reducing the likelihood of fraudulent charges being charged to your account. 

When will this come into effect? 

UK Finance ( Home | UK Finance ) has mandated that this process be applied to all online transactions with effect from 14^th March 2022. 

How will I know if my card issuer is participating in the scheme? 

If your card issuer is participating in the 3D Secure scheme there are two options, 

1. If your issuer has sufficient information provided to them based on the information in this order, then your issuer may perform a “frictionless” authentication and you will see the payment page flicker when this step is reached. 

1. If your issuer is either unable to match some of the information provided, or you have reached the relevant limits on your account that require authentication, then you will see a screen appear in the payments window identifying our payment service provider (Worldpay) together with your issuing bank. Your issuing bank will then take you through an appropriate 3D Secure version journey to perform the necessary authentication. Examples of this are shown below (not exhaustive)

If your card issuer is not participating in the 3D Secure scheme, then you will not be able to utilise this website and your payment will fail.