Internet payments – 3D Secure service

With 3D Secure, your card payments over the internet will be even more secure

  • a modern online payment method with the highest possible protection
  • your internet purchases will now be protected by a free one-time SMS code
  • applies to all debit and credit cards issued by Slovenská sporiteľňa



With 3D Secure, you have an overview of your online purchases, and the service also minimizes the risk of your card data misuse, as you also need your mobile phone to make payments. The code itself is one-time, limited in time, and can not be used for any other transaction.


Simply enter the code from the SMS and the payment is complete. For each transaction, you will receive a new code.


SMS with 3D Secure Code will arrive in a matter of seconds.

It's free

SMS messages with codes are free, regardless of the number of transactions executed.

Payment process

What will the new card payment look like on the Internet:

1. Card details

Same as before, you first fill in the card details – card number, expiry date, and 3-digit CVV2 / CVC2 code from the back of the card – and confirm them.

2. Registration screen

During the very first Internet card transaction with a 3D Secure Merchant, a Registration screen will appear. Just choose Yes – register and pay. Immediately you will receive an SMS with registration confirmation.

3. Confirmation screen

If you're already a registered user, you'll only see a confirmation screen when paying to enter a one-time SMS code from the message you received. We will send you this message to the mobile number you have stored on us (you can check it directly on the screen). Once you've filled in the code, just click Send and pay. The payment is complete.


You can your card register only if:

  • if you have a limit for your online payments set to a value greater than zero and at the same time,
  • you have your mobile phone number stored with us.

You can set or change your limits or phone number easily:

  • via George or Internetbanking,
  • at any Slovenská sporiteľňa branch office,
  • on the telephone number 0850 111 888 (only if you are the owner of the account to which the card is issued).

New clients:

  • for new clients, who meet the requirements, we will register the service automatically.

Existing clients:

  • debit card holders can subscribe to the service by meeting the requirements and subsequent sign-up during purchase,
  • credit card holders will have their cards automatically registered after meeting the requirements.

Where do you pay?

  • you will identify 3D Secure Merchants by the logo:
  • with merchants that do not support 3D Secure you will pay as you did before. You will confirm the payment with card details without having to enter the SMS code.