3D Secure 

3D Secure (Three Domain Secure) is a security feature used for online transactions made with a Debit Card.

This feature functions to enhance transaction security by sending a One Time Password (OTP) to the mobile phone number registered with the Bank's system every time you conduct a transaction at a 3D Secure merchant/marketplace.

Non – 3D Secure

Non-3DS (Non–3D Secure) refers to online debit card transactions that do not use an additional verification process such as an OTP (One Time Password). This allows payments to be processed directly without needing to enter an OTP code when transacting at certain merchants or sites that do not support the 3D Secure security system.

This feature makes transactions easier, especially  for international merchants or digital subscription platforms such as Netflix, Spotify, Grab, and Gojek.