3-D Secure (collective term for secure payment processes such as Visa Secure and MasterCard SecureCode) is a process which is used for extra security in online credit card transactions.
Your customers are automatically redirected to a secure page of the issuing bank and have to confirm their payment there by inputting a password. The actual online authorization is subsequently provided.
A chargeback with the argument "Transaction not executed" (liability reversal) is then no longer possible for your customers. This also functions when the customer's bank is not a participant in the Visa Secure and MasterCard SecureCode security procedures.
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Your payment is in good hands where you see this hobex logo! You pay one of our contractual partners directly via the SSL-protected "hobex Online" payment page.
hobex is an Austrian company which has processed cashless transactions since 1991. hobex is a certified payment institution and Associated Member of Visa and MasterCard. This means that all the prescribed security standards of the credit card companies are complied with by hobex.
hobex makes secure infrastructure available to merchants for processing Internet payments (e-commerce) and undertakes the processing of your payment. hobex ensures that the transacted posting is correctly processed by the merchant and your bank and the credit card company. Please note that your transaction takes place directly with the company.