# Online Payments (3DS)

Some card payments may require 3D Secure (3DS) authentication.

3DS is an additional security step used to confirm that the payment is authorized by the cardholder.

Whether 3DS is required depends on the merchant and card network rules.

***

#### How 3DS works

When you make an online payment and 3DS is triggered:

1. The merchant initiates a card authorization.
2. A 3DS confirmation request is sent to your Anzo app.
3. The app displays:
   * merchant name
   * transaction amount
4. You approve or reject the payment.

***

#### Time window

A 3DS request remains valid for **570 seconds**.

If it is not approved within this time:

* the transaction expires automatically
* no funds are deducted

***

#### SMS fallback

If a 3DS request is not approved in the app within 570 seconds, an additional verification step may be triggered.

In this case, a one-time SMS code is sent to your registered phone number.

To complete the payment:

* enter the SMS code before it expires.

If the code is not entered in time, the transaction is cancelled.

***

#### Key characteristics

* Some online transactions may require 3DS authentication.
* Approval is transaction-specific.
* Rejected or expired requests do not result in charges.


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