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Creditcard transaction between USA and Europe failed:

In an increasingly interconnected world, cross-border e-commerce has become commonplace, enabling consumers to purchase goods and services from different countries with ease. However, this global marketplace also brings challenges, especially in terms of payment security. One such challenge involves transactions between U.S. consumers and European companies, particularly concerning the security protocol known as 3D Secure.

Understanding 3D Secure

3D Secure (3DS) is a security protocol designed to be an additional layer of security for online credit and debit card transactions. It is a mechanism that ensures that transactions are authenticated by the cardholder before they can be processed, thereby reducing the likelihood of fraud. 3D Secure is known by various brand names, such as Verified by Visa, MasterCard SecureCode, and American Express SafeKey.

When a cardholder makes a purchase online, they are often redirected to their bank’s secure website, where they are asked to enter a password or a code sent to their phone to verify their identity. Only after this verification is the transaction allowed to proceed. This process helps protect both the consumer and the retailer against unauthorized transactions.

Issues with 3D Secure in US-Dutch Transactions

Limited Adoption in the US

While 3D Secure is widely adopted in Europe, including the Netherlands, its adoption in the United States has been more sporadic. Many U.S. banks and credit card issuers have been slow to adopt 3D Secure due to concerns about creating friction in the checkout process, which could lead to abandoned transactions. This disparity in adoption can lead to issues when U.S. Cards when trying to pay for your Hardware Care EMM.

Compatibility and Technical Issues

Another problem arises from compatibility issues. If a merchant strictly requires 3D Secure for all transactions, and the U.S. credit card does not support it, the transaction will fail outright. These failures can occur because the merchant’s payment gateway cannot complete the required security checks imposed by 3D Secure, leading to an automatic rejection of the payment. This is what is most likely making your creditcard transaction fail.


The best course of action is to contact your credit card issuer's customer service. Explain the issue you're facing with 3D Secure during the transaction process. If the representative is unfamiliar with 3D Secure or cannot assist, request to be transferred to the security and fraud department. This department is typically more knowledgeable about security protocols like 3D Secure and can provide more specific guidance or solutions to facilitate your transaction.