{"id":4858,"date":"2021-10-15T11:55:44","date_gmt":"2021-10-15T08:55:44","guid":{"rendered":"https:\/\/www.paytr.com\/blog\/?p=373"},"modified":"2025-07-14T09:21:16","modified_gmt":"2025-07-14T06:21:16","slug":"3d-secure-nedir","status":"publish","type":"post","link":"https:\/\/www.paytr.com\/en\/blog\/3d-secure-nedir","title":{"rendered":"3D Secure Nedir? 3D Secure ile G\u00fcvenli Al\u0131\u015fveri\u015f Nas\u0131l Yap\u0131l\u0131r?"},"content":{"rendered":"\n<p>\u0130nternetten yap\u0131lan al\u0131\u015fveri\u015flerde sahtecili\u011fe \u00f6nlemek ad\u0131na geli\u015ftirilen 3D Secure, e-ticaret\u2019i g\u00fcvenli hale getirdi. Kredi kart\u0131 ile yap\u0131lacak \u00f6demelerin g\u00fcvenli\u011fini sa\u011flayan sistem, yap\u0131lan harcamalarda kart sahibinin onay\u0131n\u0131n al\u0131nmas\u0131n\u0131 esas alarak internetten kredi kart\u0131 kullan\u0131m\u0131n\u0131 <strong>3D g\u00fcvenlik \u00f6nlemleri<\/strong> ile koruma alt\u0131na ald\u0131. Kredi kart\u0131 3D secure sistemine kaydedilerek online al\u0131\u015fveri\u015fe \u015f\u00fcphe ile yakla\u015f\u0131lmas\u0131na yol a\u00e7an \u201c\u00f6deme g\u00fcvenli\u011fi\u201d riskini ortadan kald\u0131rabilirsiniz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3d-secure-nedir\"><strong>3D Secure Nedir?<\/strong><\/h2>\n\n\n\n<p>\u0130nternetten g\u00fcvenli al\u0131\u015fveri\u015f yap\u0131lmas\u0131n\u0131 sa\u011flayan ve Visa ile MasterCard taraf\u0131ndan geli\u015ftirilen 3D Secure; m\u00fc\u015fteri, banka ve ma\u011faza aras\u0131nda bilgi ak\u0131\u015f\u0131n\u0131 sa\u011flayarak \u00f6deme g\u00fcvenli\u011fini sa\u011flamak ad\u0131na geli\u015ftirilmi\u015f sistemdir. Al\u0131\u015fveri\u015fin taraflar\u0131 aras\u0131ndaki bilgi ak\u0131\u015f\u0131n\u0131 \u00f6zel \u015fifreler ile koruma alt\u0131na alan sistem, <strong>3 Boyutlu G\u00fcvenlik Sistemi (3-domain structure)<\/strong> olarak da isimlendirilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3d-secure-nasil-calisir\"><strong>3D Secure Nas\u0131l \u00c7al\u0131\u015f\u0131r?<\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" data-src=\"https:\/\/paytr.com\/wp-content\/uploads\/3D-secure-nasil-calisir.png\" alt=\"\" class=\"wp-image-2653 lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/><\/figure>\n<\/div>\n\n\n<p>3D Secure \u00f6deme sisteminin \u00e7al\u0131\u015fma y\u00f6ntemi, kart sahibinin yap\u0131lan harcaman\u0131n kendisi taraf\u0131ndan onaylanmas\u0131na dayan\u0131r. \u0130nternetten yap\u0131lan sat\u0131n al\u0131m\u0131n onaylanabilmesi i\u00e7in platform, kart sahibini \u00e7al\u0131\u015ft\u0131\u011f\u0131 bankan\u0131n g\u00fcvenli ortam\u0131na y\u00f6nlendirir. Bu y\u00f6nlendirmede SMS ile g\u00f6nderilen 3D Secure kodu ilgili alana girilir ve yap\u0131lan harcama kart sahibi taraf\u0131ndan onaylan\u0131r. Banka, bu i\u015flem sonras\u0131nda \u00f6demenin yap\u0131ld\u0131\u011f\u0131 bilgisini ma\u011fazaya iletir ve m\u00fc\u015fterisini al\u0131\u015fveri\u015f platformuna y\u00f6nlendirir.<\/p>\n\n\n\n<p>Kimi bankalar, 3D Secure do\u011frulamas\u0131 i\u00e7in ak\u0131ll\u0131 bildirim sistemi kullanmaktad\u0131r. \u00d6rne\u011fin Yap\u0131 Kredi World Kredi Kart\u0131 kullan\u0131c\u0131lar\u0131, yapt\u0131klar\u0131 internet al\u0131\u015fveri\u015flerinde \u201cYap\u0131 Kredi Mobil\u201d uygulamas\u0131 \u00fczerinden kart sahibine bildirim g\u00f6nderir. Bu bildirim onaylanmas\u0131 ile do\u011frulama yap\u0131lm\u0131\u015f kabul edilerek harcama onaylan\u0131r. Verilen onay; kart sahibinin al\u0131\u015fveri\u015f yapt\u0131\u011f\u0131 tarihi, saati, tutar\u0131 ve hangi ma\u011fazadan yap\u0131ld\u0131\u011f\u0131n\u0131 teyit etti\u011fi anlam\u0131na gelir. Kart \u00e7al\u0131nmas\u0131 ve \u015f\u00fcpheli i\u015flemlerin \u00f6n\u00fcne ge\u00e7ilirken, sahtecili\u011fe \u00f6nlemek i\u00e7in hedeflenen ba\u015far\u0131 sa\u011flanm\u0131\u015f olur. Benzer sistemler Akbank ve Garanti BBVA\u2019da da bulunmaktad\u0131r; sistem, al\u0131\u015fveri\u015fi h\u0131zl\u0131 tamamlayabilmeyi sa\u011flamaktad\u0131r.<\/p>\n\n\n\n<p><strong>3D Secure ile G\u00fcvenli \u00d6deme Nas\u0131l Yap\u0131l\u0131r?<\/strong><\/p>\n\n\n\n<p>3D Secure ile i\u015flem ger\u00e7ekle\u015ftirirken son ad\u0131m olarak g\u00fcvenli \u00f6deme sayfas\u0131na y\u00f6nlendirilirsiniz. Bu noktada sizden cep telefonunuza g\u00f6nderilen tek kullan\u0131ml\u0131k \u015fifre ile \u00f6deme do\u011frulama s\u00fcrecini tamamlaman\u0131z istenir. Genellikle bu onay kodu 6 hanelidir ve ekranda yer alan geri say\u0131m tamamlanmadan g\u00fcvenli \u00f6deme sayfas\u0131na girilmesi gerekir. \u0130ki fakt\u00f6rl\u00fc do\u011frulama i\u00e7in y\u00f6nlendirildi\u011finiz g\u00fcvenli \u00f6deme sayfas\u0131, al\u0131\u015fveri\u015f yapt\u0131\u011f\u0131n\u0131z i\u015fletmenin de\u011fil do\u011frudan bankan\u0131z\u0131n veya g\u00fcvenli \u00f6deme hizmet sa\u011flay\u0131c\u0131s\u0131n\u0131n sayfas\u0131d\u0131r. Bu ekrandan \u00f6deme tutar\u0131 ve hangi i\u015fletmeye \u00f6deme ger\u00e7ekle\u015ftirdi\u011finiz gibi bilgileri kontrol edebilirsiniz. Ayn\u0131 zamanda size tek kullan\u0131ml\u0131k \u015fifrenin g\u00f6nderildi\u011fi SMS\u2019de de bu bilgiler bulunur. G\u00fcvenli \u00f6deme sayfas\u0131ndaki ve SMS\u2019de yer alan bilgileri kar\u015f\u0131la\u015ft\u0131rarak gerekli kontrolleri yerine getirebilirsiniz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3d-secure-neden-tercih-edilmeli\"><strong>3D Secure Neden Tercih Edilmeli?<\/strong><\/h2>\n\n\n\n<p>3D Secure sistemi, sadece kart sahibinin \u00f6deme yapmas\u0131n\u0131 sa\u011flamak ad\u0131na geli\u015ftirilmi\u015ftir. Kart kullan\u0131c\u0131s\u0131n\u0131n bankaya tan\u0131ml\u0131 cep telefonuna g\u00f6nderilen SMS ya da mobil uygulama \u00fczerinden g\u00f6nderilen ak\u0131ll\u0131 bildirimin onaylanmas\u0131 ard\u0131ndan harcaman\u0131n yap\u0131lmas\u0131 esas\u0131na g\u00f6re \u00e7al\u0131\u015f\u0131r. Kredi kart\u0131 ile \u00f6deme yapabilmek i\u00e7in normal \u015fartlarda kart numaras\u0131, kart\u0131n son kullanma tarihi ve CVC kodu bilgisi yeterlidir. 3 Boyutlu g\u00fcvenlik \u00f6nlemi al\u0131nd\u0131\u011f\u0131nda ise bahsedilen bilgilere eri\u015fim sa\u011flanmas\u0131, harcama yap\u0131lmas\u0131 i\u00e7in yetersiz kal\u0131r. \u00c7al\u0131nt\u0131 kartlar ile yap\u0131lmak istenen harcamalar\u0131n \u00f6n\u00fcne ge\u00e7ilmesi i\u00e7in 3D Security tercih edilmelidir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-hangi-odeme-yontemlerinde-3d-secure-gecerlidir\"><strong>Hangi \u00d6deme Y\u00f6ntemlerinde 3D Secure Ge\u00e7erlidir?<\/strong><\/h3>\n\n\n\n<p>3D ile \u00f6deme kredi kart\u0131 kullan\u0131m\u0131n\u0131n mesafeli olarak ger\u00e7ekle\u015ftirildi\u011fi \u00f6demelerde kullan\u0131l\u0131r. Yani; uzaktan online \u00f6demelerde tercih edilir. Kullan\u0131m s\u0131ras\u0131nda fiziki olarak kredi kart\u0131n\u0131n ibraz edilemedi\u011fi al\u0131\u015fveri\u015flerde 3D \u00f6deme sistemini kullanabilirsiniz.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3d-secure-kullanmak-istiyorum-nasil-aktif-edilir\"><strong>3D Secure Kullanmak \u0130stiyorum, Nas\u0131l Aktif Edilir?<\/strong><\/h3>\n\n\n\n<p>3D Secure sisteminin aktif edilmesi i\u00e7in banka \u015fubelerine veya online i\u015flem kanallar\u0131na m\u00fcracaat etmeniz yeterlidir. \u00d6rne\u011fin Ziraat Bankas\u0131 kredi kart\u0131n\u0131 kullan\u0131yorsan\u0131z, bankan\u0131za ait fiziki ve sanal i\u015flem kanallar\u0131ndan s\u00fcreci takip etmeniz gereklidir. \u0130\u015flem i\u00e7in kulland\u0131\u011f\u0131n\u0131z cep telefonu numaras\u0131n\u0131n, bankaya tan\u0131mlanmas\u0131 gereklidir. Bankaya ait tek bir kart\u0131 tan\u0131mlaman\u0131z halinde ayn\u0131 bankan\u0131n kullanmakta oldu\u011fum t\u00fcm kartlar i\u00e7in yap\u0131lan \u00f6demelerde 3D Secure g\u00fcvenlik sisteminden yararlanabilirsiniz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3d-secure-ozelligi-nasil-kapatilir-ve-etkinlestirilir\"><strong>3D Secure \u00d6zelli\u011fi Nas\u0131l Kapat\u0131l\u0131r ve Etkinle\u015ftirilir?<\/strong><\/h2>\n\n\n\n<p>Bankalar\u0131n bir\u00e7o\u011fu do\u011frudan bu \u00f6zelli\u011fi aktif olarak sunar. 3D secure aktif etme i\u015flemi i\u00e7in kart sahiplerinin herhangi bir i\u015flem yapmas\u0131 gerekmez. Baz\u0131 durumlarda ise kart sahibi ek onay ad\u0131m\u0131n\u0131 atlayarak h\u0131zl\u0131 bir \u015fekilde \u00f6deme ger\u00e7ekle\u015ftirmeyi talep edebilir. Bankalar\u0131n bir k\u0131sm\u0131 ise m\u00fc\u015fterilerine \u00e7evrimi\u00e7i \u00f6demeler i\u00e7in 3D Secure kapatma imkan\u0131 sunar. Bu ayar\u0131 bankan\u0131z\u0131n mobil uygulamas\u0131 \u00fczerinden kolayl\u0131kla de\u011fi\u015ftirebilirsiniz. Ancak bir\u00e7ok banka g\u00fcvenlik endi\u015felerinden dolay\u0131 ve kart sahibini korumak ad\u0131na g\u00fcvenli \u00f6deme devre d\u0131\u015f\u0131 b\u0131rakma i\u015flemine izin vermez.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-gonderilen-tek-kullanimlik-sifre-ile-kart-sahipligi-nasil-onaylanir\"><strong>G\u00f6nderilen Tek Kullan\u0131ml\u0131k \u015eifre ile Kart Sahipli\u011fi Nas\u0131l Onaylan\u0131r?<\/strong><\/h2>\n\n\n\n<p>3D Secure ile kart sahipli\u011fini onaylamak i\u00e7in tek kullan\u0131ml\u0131k \u015fifre sistemi kullan\u0131l\u0131r. \u00d6deme i\u015flemini ger\u00e7ekle\u015ftirmek i\u00e7in kart sahibine, kart\u0131 sa\u011flayan banka taraf\u0131ndan tek kullan\u0131ml\u0131k \u015fifre g\u00f6nderilir. Bu \u015fifreler \u00e7o\u011fu zaman SMS ile g\u00f6nderildi\u011fi gibi baz\u0131 bankalar kendi mobil uygulamalar\u0131 \u00fczerinden de tek kullan\u0131ml\u0131k \u015fifre sa\u011flar. Kart sahibi tek kullan\u0131ml\u0131k \u015fifreyi \u00f6deme ekran\u0131na girerek i\u015flemini tamamlayabilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3d-secure-dogrulama-sorunu-nedir-ve-nasil-cozulur\"><strong>3D Secure Do\u011frulama Sorunu Nedir ve Nas\u0131l \u00c7\u00f6z\u00fcl\u00fcr?<\/strong><\/h2>\n\n\n\n<p>\u00d6deme i\u015fleminizi tamamlarken 3D Secure do\u011frulama hatas\u0131 ile kar\u015f\u0131la\u015fabilirsiniz. \u00c7e\u015fitli nedenlerden dolay\u0131 3D do\u011frulama sistemi i\u015flemi tamamlayamaz ve \u00f6deme i\u015fleminiz iptal edilir. Kullan\u0131c\u0131lar \u00f6deme ad\u0131m\u0131nda hata mesaj\u0131 ile kar\u015f\u0131la\u015f\u0131nca zaman zaman pani\u011fe kap\u0131labilir. Ancak 3D Secure do\u011frulama sorunu s\u0131kl\u0131kla ya\u015fanabilen bir durumdur.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/www.paytr.com\/blog\/3d-secure-odeme-islem-basarisizliklarini-azaltmak-icin-en-iyi-uygulamalar-ve-stratejiler\">\u00d6deme i\u015fleminin ba\u015far\u0131s\u0131z olmas\u0131<\/a>n\u0131n bir\u00e7ok farkl\u0131 nedeni bulunur. \u00c7o\u011fu zaman kar\u015f\u0131la\u015f\u0131lan hatay\u0131 tan\u0131mlayan mesajlar ile kart sahibi bilgilendirilir. \u00d6rne\u011fin, bakiyenin yetersiz oldu\u011funu veya kart bilgilerinin do\u011frulanamad\u0131\u011f\u0131na y\u00f6nelik mesajlar g\u00f6rebilirsiniz. B\u00f6yle bir durumda hatan\u0131n sizden kaynakl\u0131 olma ihtimaline kar\u015f\u0131 bilgilerinizi kontrol ederek yeniden \u00f6deme i\u015flemini ger\u00e7ekle\u015ftirebilirsiniz. Ancak banka ve altyap\u0131 kaynakl\u0131 sorunlar neticesinde de i\u015flemleriniz reddedilebilir. B\u00f6yle bir durumda al\u0131\u015fveri\u015f yapt\u0131\u011f\u0131n\u0131z e-ticaret sitesine veya bankan\u0131za ba\u015fvurabilirsiniz.<\/p>\n\n\n\n<p>3D Secure online \u00f6deme onay sorunu ile kar\u015f\u0131la\u015fman\u0131n en yayg\u0131n nedenlerinden biri de kart\u0131n \u00e7evrimi\u00e7i \u00f6demelere kapal\u0131 olmas\u0131d\u0131r. Bu gibi durumlarda banka do\u011frulama hatas\u0131 sonucu \u00f6deme i\u015flemi ger\u00e7ekle\u015ftirilemez. Bankalar\u0131n tamam\u0131 m\u00fc\u015fterilerinin kartlar\u0131n\u0131 \u00e7e\u015fitli i\u015flemlere kapatabilmesi i\u00e7in se\u00e7enekler sunar. Baz\u0131 durumlarda bu \u00f6deme k\u0131s\u0131tla aktif olarak sunulur. \u00c7o\u011fu zaman bankan\u0131z\u0131n mobil uygulamas\u0131 \u00fczerinden kart\u0131n\u0131z\u0131 internet \u00f6demelerine a\u00e7abilir veya kapatabilirsiniz. Ya\u015fad\u0131\u011f\u0131n\u0131z online \u00f6deme i\u015flemlerinde sorun ya\u015f\u0131yorsan\u0131z bu ayar\u0131 kesinlikle kontrol etmelisiniz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3d-secure-hata-sebepleri-ve-sik-karsilasilan-sorunlar-nelerdir\"><strong>3D Secure Hata Sebepleri ve S\u0131k Kar\u015f\u0131la\u015f\u0131lan Sorunlar Nelerdir?<\/strong><\/h2>\n\n\n\n<p>\u0130nternet \u00fczerinden ger\u00e7ekle\u015ftirilen sat\u0131n alma i\u015flemlerinde kart \u00f6deme sorunlar\u0131 ile kar\u015f\u0131la\u015fma ihtimaliniz olduk\u00e7a y\u00fcksektir. Kimi zaman kart sahibinden kimi zaman ise banka veya \u00f6deme kurulu\u015fu taraf\u0131nda ya\u015fanan bir sorun \u00f6deme i\u015fleminin ger\u00e7ekle\u015fmesini engelleyebilir. S\u0131kl\u0131kla kar\u015f\u0131la\u015f\u0131lan 3D Secure hata sebepleri ise \u015funlard\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kart numaras\u0131n\u0131n hatal\u0131 girilmesi<\/li>\n\n\n\n<li>Kart son kullanma tarihi ve CVV\/CVC kodunun hatal\u0131 girilmesi<\/li>\n\n\n\n<li>G\u00f6nderilen tek kullan\u0131ml\u0131k \u015fifrenin hatal\u0131 girilmesi veya zaman\u0131nda girilmemesi<\/li>\n\n\n\n<li>Kart\u0131n \u00e7evrimi\u00e7i i\u015flemlere veya baz\u0131 durumlarda yurt d\u0131\u015f\u0131 i\u015flemlere kapal\u0131 olmas\u0131<\/li>\n\n\n\n<li>Kart bakiye ve limitinin yetersiz olmas\u0131<\/li>\n\n\n\n<li>\u0130nternet ba\u011flant\u0131s\u0131nda ya\u015fanan sorunlar<\/li>\n\n\n\n<li>Banka veya \u00f6deme hizmet sa\u011flay\u0131c\u0131s\u0131 kaynakl\u0131 sistem sorunlar\u0131 ve kesintiler<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3d-secure-hatasi-nasil-onlenir-ve-sorunsuz-odeme-saglanir\"><strong>3D Secure Hatas\u0131 Nas\u0131l \u00d6nlenir ve Sorunsuz \u00d6deme Sa\u011flan\u0131r?<\/strong><\/h2>\n\n\n\n<p>3D Secure ile \u00f6deme tamamen kart sahiplerinin \u00e7evrimi\u00e7i ortamda g\u00fcvenli \u00f6deme yapabilmesini sa\u011flamak amac\u0131yla geli\u015ftirilmi\u015ftir. \u00c7e\u015fitli nedenlerden 3D Secure hatas\u0131 alman\u0131z ve t\u00fcm kart bilgilerini tekrar tekrar girmek bazen can s\u0131k\u0131c\u0131 olsa da bu s\u00fcre\u00e7 tamamen sizi korumak ad\u0131na ger\u00e7ekle\u015ftirilir. 3D Secure hatas\u0131 ile kar\u015f\u0131la\u015fmamak i\u00e7in \u00f6deme ad\u0131m\u0131n\u0131 dikkatli bir \u015fekilde ger\u00e7ekle\u015ftirmek gerekir.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3d-secure-olmayan-siteler-guvenli-degil-mi\"><strong>3D Secure Olmayan Siteler G\u00fcvenli De\u011fil Mi?<\/strong><\/h3>\n\n\n\n<p>Bankalar taraf\u0131ndan e-Ticaret sitelerine verilecek sanal POS onay\u0131nda, g\u00fcvenlik konusunda gerekli \u00f6nlemleri almalar\u0131n\u0131 talep eder. SSL sertifikas\u0131 olmayan sitelerde bankalardan sanal POS onay\u0131 al\u0131namamaktad\u0131r. <strong>SSL sertifikas\u0131 <\/strong>sitenin g\u00fcvenli\u011fini sa\u011flar ve bilgilerin \u00e7al\u0131nmas\u0131n\u0131 \u00f6nler, verilerin \u015fifrelenmesini sa\u011flar. Sahtecili\u011fe kar\u015f\u0131 m\u00fccadelede ise tek ba\u015f\u0131na SSL sertifikas\u0131 yeterli de\u011fildir.&nbsp;<\/p>\n\n\n\n<p>SSL sertifikas\u0131 3. partiler taraf\u0131ndan kredi kart\u0131na ait bilgilerin \u00e7al\u0131nmas\u0131n\u0131 \u00f6nlemede ba\u015far\u0131l\u0131 sonu\u00e7 vermektedir. Her ne kadar g\u00fcvenilir olsa da SSL sertifikas\u0131 2 a\u015famal\u0131 bir g\u00fcvenlik sa\u011flar. Farkl\u0131 platformlar \u00fczerinden kart sahibinin bilgilerinin \u00e7al\u0131nm\u0131\u015f olmas\u0131 halinde, g\u00fcvenlik \u00f6nlemleri i\u00e7in 3D Secure sistemine ihtiya\u00e7 duyulur. Sahtecili\u011fe kar\u015f\u0131 mevcut g\u00fcvenlik a\u00e7\u0131klar\u0131n\u0131n kapat\u0131labilmesi i\u00e7in SSL sertifikas\u0131 ile birlikte 3D Security sistemine de ihtiya\u00e7 duyulur.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-alisverislerinizde-3d-secure-ile-kisisel-verilerin-korunmasi\"><strong>Al\u0131\u015fveri\u015flerinizde 3D Secure ile Ki\u015fisel Verilerin Korunmas\u0131<\/strong><\/h2>\n\n\n\n<p>3D Secure kullan\u0131m\u0131, al\u0131\u015fveri\u015flerde kart sahiplerinin ki\u015fisel verilerinin korunmas\u0131na katk\u0131 sa\u011flar. \u00d6demenin son ad\u0131m\u0131nda i\u015flemin ger\u00e7ekle\u015febilmesi i\u00e7in kullan\u0131c\u0131lar ilgili bankan\u0131n veya \u00f6deme hizmeti sa\u011flay\u0131c\u0131s\u0131n\u0131n \u015fifreli \u00f6deme a\u011f ge\u00e7idi sistemine y\u00f6nlendirilir. Kart sahibi bu ekranda telefonuna g\u00f6nderilen tek kullan\u0131ml\u0131k \u015fifreyi girerek i\u015flemi onaylar. Bu g\u00fcvenlik ad\u0131m\u0131na \u00f6deme yap\u0131lan i\u015fletme dahil olmaz. Tamamen ilgili \u00f6deme kurulu\u015fu ve kart sahibi aras\u0131nda, g\u00fcvenli ortamda ger\u00e7ekle\u015fir. B\u00f6ylelikle kart bilgilerinin ve ki\u015fisel bilgilerin korunmas\u0131 sa\u011flan\u0131r.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-online-alisveriste-guvenlik-icin-nelere-dikkat-edilmeli\"><strong>Online Al\u0131\u015fveri\u015fte G\u00fcvenlik \u0130\u00e7in Nelere Dikkat Edilmeli?<\/strong><\/h2>\n\n\n\n<p>Online al\u0131\u015fveri\u015f sekt\u00f6r\u00fc giderek geli\u015fen bir ekosistemdir. Pandeminin de etkisi ile b\u00fcy\u00fcme ivmesini art\u0131ran sekt\u00f6rde, artan t\u00fcketici say\u0131s\u0131 g\u00fcvenlik \u00f6nlemlerinin de s\u0131k\u0131la\u015ft\u0131r\u0131lmas\u0131 gereklili\u011fini ortaya \u00e7\u0131karmaktad\u0131r. E-Ticaret siteleri SSL sertifikas\u0131 ve 3D Secure onay\u0131 gibi g\u00fcvenlik \u00f6nlemlerini alarak \u00fczerlerine d\u00fc\u015feni yerine getirse de t\u00fcketicilerin de kredi kart\u0131 g\u00fcvenli\u011fini sa\u011flamalar\u0131 i\u00e7in dikkat etmeleri gereken noktalar bulunur. \u0130nternetten g\u00fcvenli al\u0131\u015fveri\u015fin \u00f6n\u00fcn\u00fc a\u00e7an \u00f6nerilerimize g\u00f6z atarak kart g\u00fcvenli\u011finizi sa\u011flayabilirsiniz.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" data-src=\"https:\/\/paytr.com\/wp-content\/uploads\/PayTR-3D-Secure-Altyapisi-Nasil-Calisir.jpg\" alt=\"\" class=\"wp-image-2654 lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/><\/figure>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"h-guvenilir-alisveris-sitelerini-tercih-edin\"><strong>G\u00fcvenilir Al\u0131\u015fveri\u015f Sitelerini Tercih Edin<\/strong><\/h3>\n\n\n\n<p>\u0130nternetten yap\u0131lan al\u0131\u015fveri\u015fin g\u00fcvenli\u011fini sa\u011flamak ad\u0131na t\u00fcketici olarak ilk yapman\u0131z gereken, g\u00fcvenilir siteleri tercih etmektedir. Platformlar\u0131n SSL sertifikas\u0131 olmas\u0131na ve 3D Secure deste\u011fini kontrol ederek g\u00fcvenilir platformlara ula\u015fabilirsiniz.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-sanal-kart-kullanin\"><strong>Sanal Kart Kullan\u0131n<\/strong><\/h3>\n\n\n\n<p>Kredi kart\u0131n\u0131zla internetten al\u0131\u015fveri\u015f yapmaktan \u00e7ekiniyorsan\u0131z sanal kart kullan\u0131m\u0131 ile bu sorunu a\u015fabilirsiniz. Bankan\u0131za sanal kart i\u00e7in ba\u015fvuruda bulunarak online al\u0131\u015fveri\u015fin avantajlar\u0131ndan yararlanabilirsiniz.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-ortak-kullanilan-bilgisayarlardan-alisveris-yapmayin\"><strong>Ortak Kullan\u0131lan Bilgisayarlardan Al\u0131\u015fveri\u015f Yapmay\u0131n<\/strong><\/h3>\n\n\n\n<p>\u0130nternetten al\u0131\u015fveri\u015f yaparken ortak kullan\u0131lan bilgisayarlar\u0131 tercih etmeyin. Bilgisayarda vir\u00fcs veya farkl\u0131 k\u00f6t\u00fc niyetli yaz\u0131l\u0131m\u0131n bulunmas\u0131, kredi kart\u0131 bilgilerinizi tehlikeye atar. Ki\u015fisel masa\u00fcst\u00fc ve mobil cihazlar\u0131n\u0131zla al\u0131\u015fveri\u015f yapmay\u0131 tercih ederek kart\u0131n\u0131z\u0131 g\u00fcvende tutabilirsiniz.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-bankacilik-sifrenizi-sik-degistirin\"><strong>Bankac\u0131l\u0131k \u015eifrenizi S\u0131k De\u011fi\u015ftirin<\/strong><\/h3>\n\n\n\n<p>Kart\u0131n\u0131z\u0131 g\u00fcvende tutman\u0131n en \u00f6nemli yolu, \u015fifrelerini s\u0131k\u00e7a de\u011fi\u015ftirmekten ge\u00e7er. Bankalar\u0131n online ve mobil bankac\u0131l\u0131k sistemlerinde d\u00fc\u015f\u00fck zaman aral\u0131klarla \u015fifre de\u011fi\u015ftirmeniz gerekti\u011finin hat\u0131rlatmas\u0131, \u00f6nerimize verilecek g\u00fczel bir \u00f6rnektir. Kredi kart\u0131 \u015fifrenizi de\u011fi\u015ftirirken do\u011fum tarihi, aile fertlerine ait isim veya memleket gibi tahmin edilebilir \u015fifrelerden uzak durun. \u015eifrenizi s\u0131k s\u0131k g\u00fcncelleyerek \u00e7al\u0131nma riskini azalt\u0131n.<\/p>\n\n\n\n<p><strong>Al\u0131\u015fveri\u015f Sitelerinin Sat\u0131\u015f S\u00f6zle\u015fmelerini Okuyun<\/strong><\/p>\n\n\n\n<p>Her e-Ticaret platformu, yap\u0131lan sat\u0131\u015fta \u201cMesafeli Sat\u0131\u015f S\u00f6zle\u015fmesi\u201d esaslar\u0131na g\u00f6re \u00e7al\u0131\u015f\u0131r. Bahsedilen s\u00f6zle\u015fmede iade ve de\u011fi\u015fim gibi \u00f6nemli konulara ili\u015fkin bilgilendirmeler bulunur. Bilin\u00e7li bir t\u00fcketici olarak bu s\u00f6zle\u015fmeleri okuman\u0131z ve olas\u0131 taleplerinizde ne \u015fekilde kar\u015f\u0131lanaca\u011f\u0131n\u0131z\u0131 bilmeniz gerekir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-paytr-3d-secure-altyapisi-nasil-calisir\"><strong>PayTR 3D Secure Altyap\u0131s\u0131 Nas\u0131l \u00c7al\u0131\u015f\u0131r?<\/strong><\/h2>\n\n\n\n<p>PayTR sa\u011flad\u0131\u011f\u0131 sanal POS altyap\u0131s\u0131nda i\u015flem g\u00fcvenli\u011fi i\u00e7in PSI DSS uyumlu teknik altyap\u0131 kullan\u0131r. Sahtecili\u011fin \u00f6n\u00fcne ge\u00e7mek i\u00e7in profesyonel kadrosu ile standartlar\u0131n \u00fcst\u00fcnde \u00f6nlemler alarak hak sahiplerini g\u00fcvence alt\u0131na tutar. PayTR <strong><a href=\"https:\/\/www.paytr.com\/paytr-sanal-pos\">sanal POS<\/a><\/strong> ile \u00e7al\u0131\u015fan e-Ticaret sitelerinde 3D Secure altyap\u0131s\u0131 \u015fu \u015fekilde \u00e7al\u0131\u015f\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sat\u0131n al\u0131nmak istenen \u00fcr\u00fcn m\u00fc\u015fteri taraf\u0131ndan sepete eklenir ve \u00f6deme sayfas\u0131na eri\u015fim sa\u011flan\u0131r.<\/li>\n\n\n\n<li>\u00d6deme sayfas\u0131nda m\u00fc\u015fteri taraf\u0131ndan forma \u201cKredi Kart\u0131\u201d veya \u201cBanka Kart\u0131\u201d bilgileri girilir.<\/li>\n\n\n\n<li>PayTR dizin sunucu ile ileti\u015fime ge\u00e7erek m\u00fc\u015fteri taraf\u0131ndan girilen kart bilgilerinin do\u011frulu\u011funa onay verir.<\/li>\n\n\n\n<li>Verilen onay sonras\u0131 kart sahibi, bankaya ait 3D Secure sayfas\u0131na y\u00f6nlendirilerek kimlik do\u011frulama i\u015flemini ger\u00e7ekle\u015ftirir.<\/li>\n\n\n\n<li>M\u00fc\u015fteri taraf\u0131ndan verilen cep telefonu onay\u0131 sonras\u0131 PayTR taraf\u0131ndan i\u015flem detaylar\u0131 bankaya iletilerek \u00f6demenin tamamlanmas\u0131 sa\u011flan\u0131r.<\/li>\n\n\n\n<li>\u0130\u015flemin tamamlanmas\u0131 ard\u0131ndan PayTR taraf\u0131ndan i\u015flemin ba\u015far\u0131l\u0131 ya da ba\u015far\u0131s\u0131z olma durumuna g\u00f6re bilgilendirme maili g\u00f6nderilir.<\/li>\n<\/ul>\n\n\n<section class=\"faq section-container\">\n\n    \n    <div class=\"faq-content-section\">\n        <div class=\"faq-tabs-container\">\n                                \n                    <div>\n                        <button\n                            onclick=\"openFaqTab(event, 's\u0131k\u00e7asorulansorular')\" \n                            class=\"faq-tab-links\"\n                            id=\"defaultOpenFaq\">\n                            S\u0131k\u00e7a Sorulan Sorular                        <\/button>\n\n                        <div id=\"s\u0131k\u00e7asorulansorular\" class=\"faq-tab-content\">\n                            \n                                                                \n                                    <div class=\"accordion-container\">\n                                        <div class=\"faq-accordion\">\n                                            <h3>\n                                                <button class=\"accordion-trigger\">\n                                                    3D Secure ile \u00d6deme Yapmak Ne Demek?                                                    <span><\/span>\n                                                <\/button>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"panel\">\n                                            <p>3D Secure ile \u00f6deme yapmak, g\u00fcvenli internet al\u0131\u015fveri\u015fi deneyimi ya\u015famak olarak d\u00fc\u015f\u00fcn\u00fclmelidir. Kredi kart\u0131 3D Secure ile g\u00fcvence alt\u0131na al\u0131n\u0131r. Yapt\u0131\u011f\u0131n\u0131z i\u015flem i\u00e7in sizinle birlikte bankan\u0131z ve harcama yap\u0131lan platform onay verir. 3D ile \u00f6deme yaparak bilginiz d\u0131\u015f\u0131nda yap\u0131lmas\u0131 muhtemel harcamalar\u0131n \u00f6n\u00fcne ge\u00e7ebilirsiniz.<\/p>\n                                        <\/div>\n                                    <\/div>\n                                    \n                                                                    \n                                    <div class=\"accordion-container\">\n                                        <div class=\"faq-accordion\">\n                                            <h3>\n                                                <button class=\"accordion-trigger\">\n                                                    3D Secure Olmadan \u00d6deme Yaparsam Ne Olur?                                                    <span><\/span>\n                                                <\/button>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"panel\">\n                                            <p>Web siteleri 3D Secure onay\u0131 olmadan \u00f6deme yap\u0131lmas\u0131 opsiyonunu tan\u0131yabilir. 3D\u2019siz \u00f6deme yapmak baz\u0131 riskleri \u00fcstlenmek anlam\u0131na gelir. Tercih etti\u011finiz web sitesinin g\u00fcvenilirli\u011fine ba\u011fl\u0131 olarak \u00fcstlendi\u011finiz risklerin maddi boyutu y\u00fcksek olabilir.<\/p>\n                                        <\/div>\n                                    <\/div>\n                                    \n                                                                    \n                                    <div class=\"accordion-container\">\n                                        <div class=\"faq-accordion\">\n                                            <h3>\n                                                <button class=\"accordion-trigger\">\n                                                    3D Secure Do\u011frulamas\u0131 Ba\u015far\u0131s\u0131z Ne Demek?                                                    <span><\/span>\n                                                <\/button>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"panel\">\n                                            <p>3D Secure do\u011frulamas\u0131n\u0131n ba\u015far\u0131s\u0131z olmas\u0131, i\u015flemin ger\u00e7ekle\u015fmemesi anlam\u0131na gelir. Do\u011frulaman\u0131n ba\u015far\u0131s\u0131z olmas\u0131n\u0131n nedenleri a\u015fa\u011f\u0131dakilerden herhangi birisi olabilir:\r\n\r\n&#8211; 3D Secure \u015fifresi yerine referans numaras\u0131 giri\u015finin yap\u0131lmas\u0131\r\n&#8211; Kart bilgilerinin hatal\u0131 giri\u015fi\r\n&#8211; Kartta harcama i\u00e7in yeterli limit olmamas\u0131\r\n&#8211; Yap\u0131lacak sat\u0131n almaya ili\u015fkin ma\u011faza taraf\u0131ndan fiyat de\u011fi\u015fikli\u011fi\r\n&#8211; \u0130nternet ba\u011flant\u0131s\u0131 sorunu\r\n&#8211; Kullan\u0131lan internet taray\u0131c\u0131s\u0131nda sorun ya\u015fanmas\u0131<\/p>\n                                        <\/div>\n                                    <\/div>\n                                    \n                                                                \n                                \n                                                    <\/div>\n                    <\/div>\n                            <\/div>\n    <\/div>\n<\/section>\n\n<script>\n    document.addEventListener(\"DOMContentLoaded\", function() {\n        \n        const parentContainer = document.querySelector('.faq.section-container');\n        const contentWrapper = document.querySelector('.faq-content-section');\n        const headerSection = document.querySelector('.payment-channel-head');\n\n        \/\/ Y\u00fcksekli\u011fi hesaplayan ana fonksiyon\n        function updateHeight() {\n            if (!parentContainer || !contentWrapper) return;\n\n            \/\/ 1. 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