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Frequently Asked Questions

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How do different cards behave?

  • Scenario 1 – ALL CARDS: If your card issuer hasn’t implemented 3D Secure, you will continue your payment transaction as normal;
    • Scenario 2a - MASTERCARD: If your bank has implemented 3D Secure but you have not registered for 3D Secure before, you may have 3 attempts to skip the 3D Secure process – on the fourth attempt you must complete the transaction through the 3D Secure process by registering a 3D Secure password;
    • Scenario 2b - VISA: If your bank has implemented 3D Secure but you have not registered for 3D Secure, you must complete the transaction through the 3D Secure process by registering a 3D Secure password – there are no options to bypass;
    • Scenario 2c – LASER (MAESTRO): If your bank has implemented 3D Secure but you have not registered for 3D Secure, you must complete the transaction through the 3D Secure process by registering a 3D Secure password;
  • When registering for the first time, you must first verify you are the cardholder by answering some security questions as chosen by your bank (eg your mother’s maiden name, your credit card limit, your CCV number, your expiry date amongst other potential questions)
  • If successful, you select a 3D Secure password, a password reminder hint and a personal greeting
  • If unsuccessful, you must ring your card issuing bank (depending on your card issuer, you may have three attempts to enter your password)
  • The personal greeting gives you confidence you are visiting a trusted site the next time you complete a 3D Secure transaction on irishrail.ie or any other 3D Secure enabled website
  • Scenario 3 – ALL CARDS: If your card issuer has implemented 3D Secure and you have previously registered a 3D Secure password (on irishrail.ie or any other 3D Secure website), you have to insert your 3D Secure password to complete the transaction. You will see your personal greeting that you previously set (e.g. Welcome back John) to reassure you that you are on a trusted 3D Secure page. If you cannot remember your password, there is a password reset facility. Depending on the card issuer, you may have three attempts to insert your correct password