Since January 2021, banks have been obliged to introduce the new EU Payment Services Directive (PSD2) for even more security when making online purchases. For every online payment by credit card, you must now confirm your identity using the 3D Secure process in addition to the credit card number and the 3-digit check digit. This security procedure ensures that your credit card is only used by you (and not by third parties). The 3D Secure procedure goes by the following names: Mastercard Identity Check, Verified by Visa, American Express SafeKey. Authentication can be carried out using a password, a TAN or a fingerprint and takes place via your bank's online service. Many banks have provided a suitable application for this purpose. The data is transmitted using secure SSL encryption.