SiFi Cards 3DS

SiFi Cards 3DS

🔒 What is 3D Secure (3DS)?

3DS (3-D Secure) is an extra security layer used for online card transactions.
It was developed by Mastercard, Visa, and other global networks to protect both cardholders and merchants against fraud.

Instead of only entering your card number, expiry date, and CVV, you may be asked to complete an extra verification step for example, entering a one-time password (OTP) sent to your mobile number.

✅ This ensures the person making the purchase is the authorized cardholder, not someone misusing your card details.

✅ Online merchants can confidently accept payments with lower fraud risk.

✅ You feel more secure when shopping online, knowing your transactions are protected.

💳 Are SiFi Cards Enrolled in 3DS?

Yes. all SiFi physical and virtual cards are enrolled in 3DS.
This means:

  • You should not face issues with merchants that require 3DS.

  • SiFi will still apply its fraud checks, card rules, and spending controls.

  • If a transaction violates company rules (e.g., restricted category, blocked merchant, or limit exceeded), it will be declined — even if you successfully pass 3DS.

❓ Why am I Asked to Verify Transactions?

When shopping online, some merchants request extra authentication to confirm your identity.
This is the 3DS verification step usually an OTP sent via SMS or a manual PIN for physical transaction. This is normal and ensures your payment is processed securely.

⚠️ Troubleshooting 3DS Issues

🔄 OTP Failed or Card Locked
If you enter the wrong OTP multiple times, your card may temporarily lock for security reasons.

👉 Solution: Contact SiFi Support (📧 support@sifi.sa | 📞 920 031 030) to unlock your card.


🚫 Transaction Declined (Even After 3DS)

Even if you pass 3DS successfully, the transaction may still be declined due to:

  • ❌ Merchant/category restrictions set by your company

  • ❌ Spending amount above your assigned limit

  • ❌ Fraud detection or suspicious activity


👉 Confirming a transaction through 3DS does not override company policies or fraud checks.

📌 Best Practices for Smooth 3DS Payments

  • 📲 Keep your registered phone number active to receive OTPs

  • 🛡️ Avoid multiple failed attempts to prevent card lockouts

  • 📧 Contact support immediately if you suspect unusual activity