3D Secure

Your Security, Our Priority

At OCFCU, protecting our members is a top priority. That’s why we’re introducing EMV 3D Secure (3DS) One-Time Passcode (OTP)—an advanced authentication method that adds a powerful layer of protection to your online shopping experience. It’s part of our ongoing commitment to keep your assets safe and your digital experience secure.

What Is EMV 3D Secure One-Time Passcode?

EMV 3DS uses intelligent, risk-based analysis to validate transactions. When certain risk criteria are met, a one-time passcode is sent to your mobile device or email address to verify your identity—helping prevent unauthorized purchases in real-time.

How It Works:

When you use your OCFCU debit or credit card for an online purchase:

  1. Transaction Evaluated: Each purchase is assessed in real-time based on risk.
  2. Passcode Triggered: If needed, you’ll receive a one-time passcode via text message or email.
  3. Authenticate & Confirm: When prompted, enter the passcode on the merchant’s website.
  4. Complete Your Purchase: Once authenticated, the transaction proceeds as normal.

What This Means for You:

  • More Secure Transactions: EMV 3DS OTP offers an added layer of protection against online fraud.
  • Smooth Shopping: The OTP process only kicks in when it’s truly needed, so your regular shopping remains quick and convenient.
  • Automatic Enrollment: All OCFCU debit and credit card holders are automatically enrolled—no extra steps required.  See Terms and Conditions*

Keep Your Info Up to Date

To ensure you can always receive your One-Time Passcodes, it’s important to keep your mobile number and email current in our system.

If you have any questions or have issues with the authentication process, please contact us at 315-343-7822

As a reminder, one-time passcodes are personal and unique to your online transaction. Never share it with anyone.  OCFCU will never ask you to share a one-time passcode with them.

 

*Please read these Terms and Conditions in their entirety to ensure that you fully understand prior to using this service. By using this service, you are agreeing to the terms and conditions listed below. 1. When making an online transaction that requires OTP, an OTP will be sent to the phone number or email registered in Oswego County Federal Credit Union’s (OCFCU) system. You must then enter this OTP to complete your transaction on your device’s screen when transacting online. Registration for OTP service is not required. If you are not able to enter the OTP, or authentication via this service fails, the merchant online will reject your card for this transaction. You agree that OCFCU is not responsible for the rejection by such merchant to accept your card payments on this basis. 2. By using this OTP service: a. You agree to provide your data required for the transaction authorization process in the use of this OTP service. b. You agree to keep the confidentiality of your card number and personal information that you have entered for this service. If you give someone else your passcode, you will be responsible for all claims, losses and other consequences related to all transactions taking place using this service. c. You understand that the OTP service can be used only for transactions at the online merchants that are enrolled in EMV 3DS. d. You agree that the credit union is not liable for losses arising from your failure to comply with these terms and conditions. e. You understand that messages and data rates may apply for using this service.