Security solutions for payment cards

​Verified by Visa and MasterCard SecureCode is a security standard for payment using international cards on the Internet. This security standard has been established by the international card companies Visa and MasterCard in order to increase security for online card payments. For example, it provides greater security that it is the authorised person using the payment card for a transaction on the Internet with an approved merchant. As of 2017, a similar solution – Dankort Secured by Nets – has been introduced for the Dankort.

​To increase safety and reduce the risk of payment card fraud in connection with online transactions. The solution provides additional identification of the cardholder and the merchant.

​It varies from country to country. However, the acquirer may require the merchant to use Verified by Visa and MasterCard SecureCode when accepting international payment cards. The scheme will be compulsory for all webshops using the Dankort.

​Verified by Visa and MasterCard SecureCode is used all over the world. Dankort Secured by Nets is used by webshops in Denmark.

​The security solutions work the same way in all countries, and Visa and MasterCard ensure that cross-border data exchange conforms to international security standards. However, there may be national differences in how the cardholders are registered and activated in the solutions, as well as in how cardholders subsequently identify themselves when making purchases. In Denmark, the banks and Nets jointly decided to use a very user-friendly text-messaging solution with one-time passwords and NemID. Other types of cardholder identification may be used in other countries.

​Yes. The solution is the same in Denmark and Greenland.
In the Faroe Islands, the Faroese NemID cannot be used to link your mobile phone number with cards issued in the Faroe Islands (or Denmark). Faroese users will therefore need to contact their bank for details of how to link a mobile number, or change/delete one already linked to a card.
There is no difference when it comes to using the security solution once the link between a card and a mobile phone number has been established.

​No, any webshop that is registered with Verified by Visa, MasterCard SecureCode or Dankort Secured by Nets will ask you to identify yourself using your one-time password for all purchases using Visa, MasterCard or the Dankort.

​The Visa and MasterCard card companies are behind this common standard and the requirements that each individual country must comply with. Your bank is the card issuer and, among other things, uses your card details and personal data to ensure that only you are able to shop using Verified by Visa and MasterCard SecureCode. Nets handles the transaction itself and ensures that the acceptance procedure involving your card, one-time password (SecureCode) and personal data is as secure as possible when you make payments. Nets is behind Dankort Secured by Nets.

About the security solution
The security solution is based on identifying you via a one-time password in addition to your card details when you shop online in a webshop registered with Verified by Visa/MasterCard SecureCode or Dankort Secured by Nets.

If you have not previously linked your mobile number, you will be asked to link it when you are making your purchase online. This means you will use NemID to link your mobile number to your payment card. After registration, when you receive a one-time password via text message on your mobile phone, you must enter the code in the window that appears in connection with your transaction. Then you can complete your purchase in the webshop.
The solution ensures identification of the person carrying out the online transaction. It is not possible to register mobile numbers for cards that have not been issued to you.

Your bank registers your card for the solution. All you can do yourself is link your mobile phone number with your card.
If you need to change or de-register your mobile phone number, you must use NemID. You can make the change or de-register via your bank’s website or by using the link in the box on the right-hand side of this page.

Once you have registered for the solution (via Nets or your bank’s website):
You will receive a text message from Nets with a one-time password which you will need to complete the transaction in the webshop.

If you have not registered for the solution before the transaction:
If you shop in a webshop that is registered with Verified by Visa, MasterCard Secure Code or Dankort Secured by Nets, you will be asked to sign up before you make the payment. When registering, you link your mobile number to your payment card. Use your NemID to register.

Once you have registered and need to pay for a product online, you will receive a text message with a one-time password. Enter the one-time password in the window that pops up as a part of the payment process on the website where you are making a purchase.
Your transaction will be complete once the code has been accepted. If you enter the wrong code, the payment will be rejected.

​Yes, if you have a payment card (Visa, MasterCard or Dankort) issued in Denmark, a mobile phone and a Danish NemID. If you do not have a Danish NemID, please contact your bank to find out whether they can help you register a phone number.

​Yes. Use NemID to change the mobile phone number you have previously set up in the security solution. If you do not have NemID, you need to contact your bank to find out whether they can help you change your phone number.
You can view the (partly blocked out) mobile phone number registered for the solution at any time.

​You will receive a text message from Nets with a code you need to use to confirm your registration.

​Yes. All cards issued in Denmark can be registered for the solution if your bank has registered your card with Verified by Visa/MasterCard SecureCode or Dankort Secured by Nets. Please contact your bank to find out which rules apply to your card.

​No, if you have registered your Visa/Dankort, the same registration will also apply to the Dankort debit card aspect of your Visa/Dankort card. Similarly, if you have registered the Dankort part of your Visa/Dankort card for 3D-Secure, the Visa part will also be registered automatically. This means you only need to register your Visa/Dankort card once, whether you register it as a Dankort or a Visa card.

​No. You cannot register foreign cards for the solution. Only your bank can register cards for the solution. Only cards issued by banks in Denmark, the Faroe Islands or Greenland can be registered.

​You will not be able to receive the one-time password that you need to use to confirm the payment, so the transaction will be rejected. If you cannot receive a text-message one-time password due to poor reception or because the local mobile network operators do not want to process certain types of text messages, you can press the “NemID” button in the payment window when you would otherwise enter your one-time password. You will then be redirected to the normal NemID dialog where you can identify yourself in the usual manner with your NemID user ID, password and code. If you do not have your NemID with you, you can phone Nets Customer Service (+45 44 89 27 50 or +45 44 89 29 29) for assistance to enable you to shop online for a limited time. You must first have linked your mobile phone number to your card in order for Nets’ Customer Service to be able to help you.

​You do not need to have a Danish mobile phone number to register for the solution, but your card must be issued by a Danish bank. When you register your foreign mobile phone number, you must enter the country code and mobile number in two separate fields. Do not use “+” or any other signs in front of the country code.

I have already registered using a foreign mobile phone number, but I don’t receive the text-message code when I shop online.
Some telecom operators do not allow automatically generated text messages. You can contact your telecom operator to find out whether they allow auto-generated text messages to be sent to you, or whether they block them. If you have access to a mobile phone that is affiliated with a Danish telecom operator/subscription, we recommend trying again with that, as Danish and foreign telecom operators may handle text messages differently. However, it is a condition that the Danish mobile phone number is linked to your payment card that you want to use for your online payment. You also have the option of clicking on the NemID button to use your NemID to sign for the purchase.

Your phone may be blocked from receiving text messages
If you do not receive text messages from Nets, you can check whether your phone is blocking this type of automatically generated text message. If you have an iPhone, go to Settings -->Messages--> Blocked. Here you can see if text messages from Nets using the short-code number 1933 are blocked, and cancel the blocking. You also have the option of pressing the NemID button to use your NemID to sign for the purchase.

​You will not be able to confirm the payment and the transaction will be rejected. Even though text messages are sent immediately, some cardholders may find they do not receive the text message. This may be for various reasons, including poor reception locally, or your phone settings, or settings from the telecom operator. If you do not receive the one-time password by text message, you can click the “NemID” button in the payment window and use NemID to identify yourself instead. When you use NemID, you are not dependent on mobile reception, as the validation of your NemID is via the Internet.

​The one-time password is valid for ten minutes after being sent by Nets. If you are unable to use the password within ten minutes, you will have to request another one. You can request another one-time password by clicking on a button in the pop-up window.

​No, but the window dialogue shows the (partly blocked out) mobile phone number you have registered for the card in question.

​Yes. Your online banking has nothing to do with the security solution.

​If you are under 15 years of age (or if you do not have a Danish CPR (civil registration) number, please contact your bank to find out about your registration options.

​If you do not have a Danish civil registration (CPR) number, please contact your bank to find out more about your registration options.

​If you do not have a Danish NemID, please contact your bank to find out more about your options for linking or changing a mobile phone number for your card.

​Yes. If your card is issued to you, you can register it using your NemID and shop in the same way as you do with your personal card.

​You register in the same way as for your own card because the card is issued to you. If the card is not issued to you, you cannot register it, as you need a NemID that can be used with the card

​Experience shows that all means of payment can be used fraudulently, but Verified by Visa/MasterCard SecureCode and Dankort Secured by Nets provide considerably greater security and better protection against online card fraud.

​Cardholders can have greater peace of mind that the card will not be used fraudulently by others on the Internet.

​Look for the logos.
For Visa and Visa Electron, the logo is: Verified by Visa
For MasterCard and Maestro, the logo is: MasterCard SecureCode
For the Dankort, the logo is: Dankort Secured by Nets

​Yes. Even though the transaction only requires you to enter your card number, expiry date and card validation code, this offers a very high security level. As a cardholder, you must always contact your bank if any purchases have been made on your card that you do not recognise. It is a good idea to check your online banking regularly to ensure that there are no transactions on your card that you do not recognise. If you do find something untoward, contact your bank and, if necessary, have your card blocked.

​No. If a card is blocked, it is blocked for all use.

​If a card’s PIN code is blocked or if the card is blocked in face-to-face transactions, it cannot be used for online shopping either.

​If you have any general questions about the new security standard, please contact your bank.

​As a general rule, no. As a cardholder, you are not liable for any fraudulent use of your payment card on the Internet. However, there may be a limited excess in the event of negligence.

​If your card has been stolen and blocked, you may well still receive text messages. This suggests someone is attempting to use your stolen card. To stop receiving text messages containing one-time passwords once your card has been blocked, you should delete the mobile phone number associated with the card in question. To do so, you must use your NemID. Use the link on this page to delete the phone number.

​If you enter the one-time password incorrectly, your pending transaction will be rejected. You will receive an error message stating that you have entered the wrong one-time password, with the option to enter it again. If you have entered it incorrectly three times, your purchase will be disconnected.

​Your code is valid for ten minutes after it was sent by Nets. If you do not use it before it expires, you can click on the “New one-time password” button to request another password via text message to avoid interrupting your current transaction.