The 3D Secure protection system
The 3D Secure system enables a bank to ensure that the user is indeed the author of the online purchases made with a credit card. In other words, 3D Secure is used to identify a user when they are about to pay online.
Only the bank card or Lydia card number and the three-digit visual cryptogram (which appears on the back of the card) will be requested at the time of payment.
3D Secure with Lydia
The user receives a notification in their application and must confirm the payment using their security code.
If the user did not initiate the payment, they must reject it.
In the event of fraudulent use of the Lydia card online
If the Lydia card has been used fraudulently to pay for purchases made on the Internet, the user must contact Lydia immediately to dispute the transaction:
- by e-mail: contact@sumeria.eu or by livechat available 24/7 from the "Me" tab ;
- From the contested transaction receipt in the payment tab by clicking on "Dispute this transaction".
It is recommended that the customer blocks the card in order to protect the funds present in the account.