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Diagnosis result

Enable 3D Secure on your card first

Last updated: October 2026

What's happening

3D Secure (branded as Verified by Visa or Mastercard ID Check) is a card security feature that Alipay and WeChat require before they'll accept your card. If it's not enabled, the card binding step silently fails or gives a generic error.

Steps to fix it

  1. 1Open your bank's mobile app or website.
  2. 2Find the security settings for your card — look for 'Verified by Visa', 'Mastercard ID Check', '3D Secure', or 'Online payment security'.
  3. 3Toggle it on. Some banks enable it instantly; others send a text to confirm.
  4. 4Return to Alipay/WeChat and retry adding the card — you'll now see a 3D Secure verification prompt (OTP by SMS or in-app approval) during card binding.
  5. 5Complete that prompt promptly when it appears.
  6. 6If you can't find the 3D Secure setting, call your bank and ask them to enable it.

Backup options

  • •If your bank makes enabling 3D Secure difficult, try a different Visa or Mastercard.

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