FAQ - Aruba Bank Authenticator App & 3DSecure (3DS)
1. What is 3D Secure (3DS)?
3D Secure (3DS) is an additional layer of security for online debit and credit card transactions. It helps verify that you are the legitimate cardholder, reducing the risk of fraud. You may recognize it as "Visa Secure" or "Mastercard Identity Check" when making purchases online.2. Why is Aruba Bank implementing 3D Secure (3DS)?
At Aruba Bank, your security is our top priority. By introducing 3DS, we are enhancing fraud protection for online purchases, making transactions safer and providing peace of mind when using your debit card online.3. What is the Aruba Bank Authenticator App (AB Authenticator App)?
The AB Authenticator App is a secure authentication tool linked to your Aruba Bank-issued debit card. It is designed to seamlessly approve online transactions by replacing traditional SMS codes or emails with an easy and secure mobile app verification. Not all ecommerce transactions will present an authentication requirement.4. How does the AB Authenticator App work?
When making an online purchase with your Aruba Bank debit card:You might receive a push notification from the AB Authenticator App. Open the app and review the transaction details. Approve or deny the transaction directly from the app. This process ensures that only you can authorize payments with your card.
Important note: Not all transactions will require an Authentication.
5. What are the benefits of using the AB Authenticator App?
Enhanced Security: Adds an extra layer of protection to prevent fraud.Convenience: No need for SMS codes or emails, you can now approve transactions quickly from your phone.
Seamless Experience: A smooth and easy way to verify your online purchases.
6. Who can use the AB Authenticator App?
The app is available for Aruba Bank debit cardholders who shop online and want an extra layer of security for their transactions.7. When will the AB Authenticator App be available to all customers?
Starting April 7st the App will be available in your App store for downloading.8. How do I register my Debit Card to the App?
- 1. First things first: Download and install the Aruba Bank Authenticator App from your mobile device’s app store.
- 2. Now, go ahead and make your online purchase as you normally would.
- 3. If applicable, the website will recognize that your bank has an extra security measure to protect you.
- 4. A security window will pop up, requesting approval for the transaction.
- 5. An email with a One-Time Passcode (OTP) will be sent to you.
- 6. Simply enter the OTP in the checkout screen, and your purchase will go through successfully!
Now that your transaction is complete, let’s set up your Authenticator App for even faster approvals next time: - 7. After you inserted OTP in the checkout screen, you will be prompted with a registration code.
- 8. Enter this registration code in the Authenticator App to link it to your Aruba Bank account.
- 9. Finally, set up a 5-digit PIN for secure access to your App.
Next time you shop online?
Once your Authenticator App is registered, you will receive a notification directly to your phone whenever you make an online purchase. You can then approve or reject transactions with just one tap—making your shopping experience secure and hassle-free!