<iframe src="https://www.googletagmanager.com/ns.html?id=GTM-WTMQ4QSL" height="0" width="0" style="display:none;visibility:hidden" title="gtm-frame"></iframe>Understanding 3D Secure and authorising online purchases
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Mastercard Identity Check (3D Secure)

3D secure (also known as Mastercard Identity Check) is a service that allows you to securely make online purchases using your Zempler Mastercard. When making purchases with participating online retailers, you’ll sometimes be asked to either confirm your purchase via the Zempler Bank app (bank cards only) or if you don't have the app, you can enter an SMS one-time password sent to the mobile number registered to your account. 

3D Secure is quick and easy to use. You don’t need a new card or any special software. When you’re completing a card purchase online with a 3D Secure retailer, you'll be asked to review and confirm the purchase in the Zempler Bank app. If you don't have the app or you're using a credit card, you can enter an SMS one-time password sent to the mobile number registered to your account. 

To authorise 3D Secure purchases in the app, here's what to do:

  • Open the app and you'll see a pop-up screen with details of your purchase
  • Check the payment details match your purchase
  • Accept or decline the purchase and complete the security step using Face ID, Touch ID, or by answering a memorable question depending on your app settings. 


  • You’ll only have to complete 3D Secure checks for online shops that are registered to 3D Secure/Mastercard Identity Check. You’ll be able to tell if a 3D Secure check is required for a retailer as the 3D Secure/Mastercard Identity Check logo will be displayed on the company’s website.

    • Learn more about 3D Secure here
  • A one time password is a unique six or eight digit number sent to your mobile number registered at Zempler Bank. 

    If you’re not able to use the Zempler Bank app to complete 3D purchases, this one time password is an alternative way to complete the 3D Secure process to verify the transaction you're trying to make so that we can make sure it's you.

  • Normally 3D Secure will show the last four digits of the mobile number that the one time password has been sent to. If your mobile number has changed, please log in to Online Banking or the Zempler Bank app and update your mobile number. Alternatively, you can contact our Customer Service team

    If you don't recognise the mobile number linked to your account, it may mean someone has changed it without your permission. 

    Please log in to Online Banking or the Zempler Bank app and update your mobile number if you can, and then contact our Customer Services team to maintain the security of your account.

  • You'll only receive an SMS one-time password if you’re a credit card customer, or if you haven’t logged in to the Zempler Bank app and set up a trusted device. If you have the app, you need to log in and confirm the purchase there.

    You can select 'Resend OTP' which will resend the one-time password.

    If you don't have the Zempler Bank app and the SMS containing your one-time password doesn't arrive, please give our Customer Service team a call to check you have the correct number registered to your Zempler Bank account.  

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For full website terms including information on Zempler Bank, Mastercard and use of trademarks, please see our full legal disclosures at https://www.zemplerbank.com/legal/. Zempler Bank Limited (“Zempler Bank”) is registered in England and Wales at Cottons Centre, Cottons Lane, London SE1 2QG (No.04947027). Zempler Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Firm Reference Number 671140. 

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