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by eknkc 3497 days ago
Have 3d Secure here in Turkey too. Most merchants provide a checkbox to enable 3D secure, if you do so, they redirect to the bank's page and you need to enter a code.

Most of the time, non 3d secure purchases take a little more time to go through and if the amount is higher than your regular spendings or the charge happened to be in the middle of the night, banks ask for confirmation via SMS anyway. If you go with 3D secure, it just works instantly.

All banks provide virtual credit card numbers with predefined limits too though.