Some online purchases require extra verification through 3D Secure (sometimes called Verified by Visa).

3D Secure is a Visa authentication protocol used during certain online transactions. For the Expensify Card, this verification always requires entering a one-time passcode (OTP) sent by SMS.

The verification appears directly on the merchant’s website during checkout.

How 3D Secure verification works for the Expensify Card

If 3D Secure is required during checkout:

1. Enter your Expensify Card details as usual.
2. After submitting payment, a verification prompt will appear.
3. Enter the one-time passcode (OTP) sent to your phone by SMS.
4. Submit the code to complete authentication.

What to do if your 3D Secure transaction is declined

If you enter the wrong code or do not complete verification in time, the transaction will be declined.

To proceed:

1. Restart the checkout process with the merchant.
2. Wait for a new SMS code.
3. Enter the new code exactly as received.

If you are not receiving the SMS code, check that your phone number is correct in Expensify.

How to update the phone number linked to your Expensify Card

Your 3D Secure one-time passcodes are sent to the phone number linked to your Expensify Card.

To update the phone number used for 3D Secure verification:

1. Click Settings > Account in the navigation tabs on the left on Web.
2. Click Wallet.
3. Locate your Physical Card.
4. Click Report physical card loss / damage.
5. Select any option from the list and click Continue.
6. In the Phone number field, enter your updated phone number.
7. Click Continue.
8. Click the X to close the replacement card window.

After updating, your new phone number will be used for future 3D Secure SMS verification codes.

Note: Updating the phone number does not deactivate your current Expensify Card. Your card will only be deactivated if you complete the flow and click Send me a new card!

Updating the phone number linked to your Expensify Card is not available on mobile.

FAQ

Why didn’t I receive a 3D Secure SMS code?

If you did not receive a code:

• Confirm your phone number is correct in Expensify.
• Check that your mobile device has cellular service.
• Make sure SMS messages are not blocked on your device.

If the issue continues, contact Concierge.

What happens if I enter the wrong verification code?

The transaction will be declined. You’ll need to restart the purchase and enter the new SMS code sent to your phone.

Can 3D Secure be disabled for the Expensify Card?

No. 3D Secure is a Visa authentication requirement and cannot be disabled.

Do I approve 3D Secure transactions inside Expensify?

No. The verification happens on the merchant’s checkout page. You only enter the SMS code when prompted.