How do I fix 3D Secure authentication issues?

Sometimes a payment fails because of 3D Secure — the extra verification step your bank requires for online purchases (often a text message code or banking app approval).


Steps to fix it

  • ✅ Check with your bank: make sure your card is enrolled in 3D Secure and you have access to the verification method.

  • 📱 Update contact details: confirm your phone number and email are current with your bank — otherwise you won't receive the security code.

  • 🔄 Try again: once verified, retry the payment in the Suave app.

  • 💳 Use another card: if the issue continues, link a different Visa or Mastercard that supports 3D Secure.

  • 🏪 Visit a Suave merchant location: if online keeps failing, pay in person by swiping your card directly.


If problems continue, contact your bank or Suave's customer support.

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Get immediate support

24/7 support from our

team in any language.