{"id":3201,"date":"2025-06-20T12:31:52","date_gmt":"2025-06-20T09:31:52","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=3201"},"modified":"2025-06-25T12:27:42","modified_gmt":"2025-06-25T09:27:42","slug":"ce-este-parola-3d-secure","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/ce-este-parola-3d-secure\/","title":{"rendered":"Ce este parola 3D Secure \u0219i cum func\u021bioneaz\u0103"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 8<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"background-color: rgba(255, 255, 255, 0); font-size: 16px; font-weight: 400; letter-spacing: 0.24px;\">Ce este parola 3D Secure \u0219i de ce e important\u0103 pentru siguran\u021ba ta c\u00e2nd pl\u0103te\u0219ti online? Odat\u0103 cu cre\u0219terea cump\u0103r\u0103turilor pe internet, au ap\u0103rut \u0219i tot mai multe riscuri de fraud\u0103.<\/span><\/h2>\n<p style=\"--fontsize: 38; line-height: 1.2;\"><span style=\"background-color: rgba(255, 255, 255, 0); font-size: 16px; font-weight: 400; letter-spacing: 0.24px;\">Din fericire, b\u0103ncile \u0219i procesatorii de pl\u0103\u021bi au introdus un sistem care reduce drastic aceste riscuri: 3D Secure.<\/span><\/p>\n<p>\u00cen acest articol vei \u00een\u021belege ce este aceast\u0103 parol\u0103, cum func\u021bioneaz\u0103, de ce este obligatorie \u00een 2025 \u0219i cum te poate proteja de fraude.<\/p>\n<p style=\"--fontsize: 38; line-height: 1.2;\"><span style=\"background-color: rgba(255, 255, 255, 0); font-size: 26px; letter-spacing: 0.24px; font-weight: normal;\" data-fusion-font=\"true\">Ce este parola 3D Secure<\/span><\/p>\n<p>Parola 3D Secure este o metod\u0103 suplimentar\u0103 de autentificare care te ajut\u0103 s\u0103 confirmi c\u0103 tu e\u0219ti persoana care face o plat\u0103 online cu cardul t\u0103u. Nu se folose\u0219te la POS sau la retrageri de numerar, ci exclusiv pentru tranzac\u021bii pe internet.<\/p>\n<p>Este o m\u0103sur\u0103 de siguran\u021b\u0103 aplicat\u0103 de majoritatea b\u0103ncilor, \u00een colaborare cu re\u021belele Visa \u0219i Mastercard, pentru a preveni utilizarea frauduloas\u0103 a cardurilor.<\/p>\n<p>Atunci c\u00e2nd faci o plat\u0103 online, dup\u0103 ce introduci datele cardului (num\u0103r, dat\u0103 expirare, CVV), e\u0219ti redirec\u021bionat c\u0103tre o pagin\u0103 de securitate, unde trebuie s\u0103 confirmi tranzac\u021bia printr-o parol\u0103, un cod primit prin SMS sau o notificare \u00een aplica\u021bia b\u0103ncii.<\/p>\n<p>Acesta este pasul care face diferen\u021ba \u00eentre o plat\u0103 sigur\u0103 \u0219i una vulnerabil\u0103.<\/p>\n<p>Sistemul <a href=\"https:\/\/en.wikipedia.org\/wiki\/3-D_Secure\" target=\"_blank\" rel=\"noopener noreferrer\">3D Secure<\/a> a fost introdus pentru prima dat\u0103 \u00een 2001, de c\u0103tre Visa, sub numele \u201eVerified by Visa\u201d, \u00een colaborare cu compania Arcot Systems.<\/p>\n<p>Ulterior, \u0219i Mastercard a implementat propriul sistem sub numele \u201eMastercard SecureCode\u201d, devenit \u00eentre timp \u201eIdentity Check\u201d.<\/p>\n<p style=\"--fontsize: 38; line-height: 1.2;\"><span style=\"background-color: rgba(255, 255, 255, 0); letter-spacing: 0.24px;\">Scopul acestor ini\u021biative era s\u0103 ofere o protec\u021bie suplimentar\u0103 utilizatorilor care \u00ee\u0219i foloseau cardul online, \u00eentr-o perioad\u0103 \u00een care frauda era \u00een plin\u0103 expansiune \u0219i aproape imposibil de controlat f\u0103r\u0103 un pas suplimentar de verificare.<\/span><\/p>\n<h2 style=\"--fontsize: 38; line-height: 1.2;\"><span style=\"background-color: rgba(255, 255, 255, 0); letter-spacing: 0.24px; font-size: 26px;\" data-fusion-font=\"true\">Cum a fost \u00eenainte de 3D Secure<\/span><\/h2>\n<p>\u00cenainte de apari\u021bia sistemului 3D Secure, pl\u0103\u021bile online erau extrem de vulnerabile.<\/p>\n<p>Tot ce aveai nevoie pentru a finaliza o tranzac\u021bie era informa\u021bia de pe card: numele complet al titularului, num\u0103rul cardului, data expir\u0103rii \u0219i codul CVV de pe spate.<\/p>\n<p>Nu era necesar\u0103 nicio confirmare suplimentar\u0103 din partea utilizatorului real.<\/p>\n<p>Aceast\u0103 metod\u0103 simplificat\u0103 era, \u00een acela\u0219i timp, o u\u0219\u0103 larg deschis\u0103 pentru fraude. Dac\u0103 cineva \u00ee\u021bi fura datele cardului \u2013 fie prin phishing, fie dintr-o bre\u0219\u0103 de securitate la un magazin online \u2013 putea face cump\u0103r\u0103turi f\u0103r\u0103 ca tu s\u0103 \u0219tii, iar tranzac\u021bia era procesat\u0103 imediat.<\/p>\n<p>Lipsa unui pas de verificare f\u0103cea aproape imposibil\u0103 prevenirea acestor situa\u021bii.<\/p>\n<p>Pe m\u0103sur\u0103 ce comer\u021bul online s-a extins, au crescut \u0219i cazurile de fraud\u0103, iar b\u0103ncile au fost nevoite s\u0103 g\u0103seasc\u0103 o solu\u021bie.<\/p>\n<p>A\u0219a a ap\u0103rut 3D Secure, un sistem care adaug\u0103 un al doilea nivel de autentificare, oprind practic majoritatea tentativelor de folosire neautorizat\u0103 a cardurilor online.<\/p>\n<p style=\"--fontsize: 38; line-height: 1.2;\"><span style=\"background-color: rgba(255, 255, 255, 0); font-size: 26px; font-weight: 400; letter-spacing: 0.24px;\" data-fusion-font=\"true\">Cum func\u021bioneaz\u0103 parola 3D Secure la pl\u0103\u021bile online<\/span><\/p>\n<p>C\u00e2nd faci o plat\u0103 online cu un card \u00eenrolat \u00een 3D Secure, sistemul adaug\u0103 un pas suplimentar pentru a confirma c\u0103 tu e\u0219ti persoana care autorizeaz\u0103 tranzac\u021bia.<\/p>\n<p>Este o form\u0103 de autentificare \u00een doi pa\u0219i, care combin\u0103 datele cardului cu o confirmare personal\u0103, oferind astfel un plus de siguran\u021b\u0103.<\/p>\n<p>Procesul standard arat\u0103 de obicei a\u0219a:<\/p>\n<ol>\n<li>Introduci datele cardului \u00een pagina de plat\u0103 a magazinului online.<\/li>\n<li>E\u0219ti redirec\u021bionat automat c\u0103tre o interfa\u021b\u0103 securizat\u0103 gestionat\u0103 de banca emitent\u0103.<\/li>\n<li>Prime\u0219ti o solicitare de confirmare a pl\u0103\u021bii, \u00een func\u021bie de cum ai setat autentificarea:<\/li>\n<\/ol>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>printr-un cod unic primit prin SMS,<\/li>\n<li>prin aplica\u021bia mobil\u0103 a b\u0103ncii, unde autorizezi plata cu un click sau prin FaceID \/ amprent\u0103,<\/li>\n<li>\u00een unele cazuri, printr-o parol\u0103 setat\u0103 anterior, dar acest sistem este \u00eenvechit \u0219i tot mai rar folosit.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>Banca verific\u0103 dac\u0103 datele introduse corespund contului t\u0103u \u0219i dac\u0103 metoda de confirmare a fost corect\u0103. Doar dup\u0103 acest pas tranzac\u021bia este procesat\u0103 \u0219i banii sunt retra\u0219i din contul t\u0103u.<\/p>\n<p>Acest mecanism reduce semnificativ riscul ca altcineva s\u0103 \u00ee\u021bi foloseasc\u0103 cardul pe internet, chiar dac\u0103 are acces la datele imprimate pe el.<\/p>\n<p style=\"--fontsize: 38; line-height: 1.2;\"><span style=\"background-color: rgba(255, 255, 255, 0); font-size: 26px; font-weight: 400; letter-spacing: 0.24px;\" data-fusion-font=\"true\">Cum te protejeaz\u0103 de fraude parola 3D Secure<\/span><\/p>\n<p>Parola 3D Secure func\u021bioneaz\u0103 ca o barier\u0103 suplimentar\u0103 de securitate atunci c\u00e2nd faci pl\u0103\u021bi online. Chiar dac\u0103 cineva \u00ee\u021bi afl\u0103 datele cardului, f\u0103r\u0103 confirmarea ta personal\u0103, tranzac\u021bia nu poate fi finalizat\u0103.<\/p>\n<p>Uite cum te protejeaz\u0103, concret:<\/p>\n<ol>\n<li>Blocheaz\u0103 accesul fraudatorilor, chiar dac\u0103 ace\u0219tia de\u021bin toate informa\u021biile de pe cardul t\u0103u. F\u0103r\u0103 codul de confirmare sau aplica\u021bia ta mobil\u0103, plata nu poate fi autorizat\u0103.<\/li>\n<li>Activeaz\u0103 o autentificare \u00een doi pa\u0219i, ceea ce \u00eenseamn\u0103 c\u0103, pe l\u00e2ng\u0103 datele cardului, mai e nevoie de un al doilea element de verificare \u2013 cod SMS, amprent\u0103, Face ID sau confirmare \u00een aplica\u021bia b\u0103ncii.<\/li>\n<li>Reduce semnificativ riscul de plat\u0103 neautorizat\u0103, mai ales \u00een cazul phishing-ului sau al cardurilor copiate.<\/li>\n<li>Ofer\u0103 protec\u021bie juridic\u0103 suplimentar\u0103: dac\u0103 apare o tranzac\u021bie neautorizat\u0103, este mult mai u\u0219or s\u0103 demonstrezi c\u0103 nu ai fost tu cel care a aprobat-o \u0219i s\u0103 recuperezi banii.<\/li>\n<li>Elimin\u0103 tranzac\u021biile automate f\u0103r\u0103 verificare, lucru esen\u021bial mai ales c\u00e2nd salvezi cardul pe site-uri de cump\u0103r\u0103turi.<\/li>\n<\/ol>\n<p>Pe scurt, 3D Secure transform\u0103 cardul t\u0103u \u00eentr-un instrument de plat\u0103 controlat 100% de tine, chiar \u0219i atunci c\u00e2nd e folosit online.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:15px;--awb-padding-right:15px;--awb-padding-bottom:15px;--awb-padding-left:15px;--awb-margin-top:20px;--awb-margin-bottom:20px;--awb-background-color:var(--awb-color4);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"300\" height=\"210\" title=\"Merita-sa-aplic-pentru-un-credit-ipotecar\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/08\/Merita-sa-aplic-pentru-un-credit-ipotecar-1-300x210.jpg\" alt class=\"img-responsive wp-image-505\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/08\/Merita-sa-aplic-pentru-un-credit-ipotecar-1-200x140.jpg 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/08\/Merita-sa-aplic-pentru-un-credit-ipotecar-1-400x280.jpg 400w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/08\/Merita-sa-aplic-pentru-un-credit-ipotecar-1-600x420.jpg 600w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2022\/08\/Merita-sa-aplic-pentru-un-credit-ipotecar-1.jpg 800w\" sizes=\"(max-width: 640px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-text-color:#ffffff;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:30px;\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:var(--awb-typography1-line-height);\">Ai nevoie de un credit ipotecar?<\/h4><\/div><div class=\"fusion-text fusion-text-2\"><p style=\"color: #ffffff;\">Specialistul in creditare este persoana care iti expune toate variantele de credit potrivite pentru profilul tau si se ocupa de intregul tau dosar si te poate ajuta cu accesarea oricarui tip de credit si este persoana de legatura dintre tine si banca.<\/p>\n<\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--button_accent_color:var(--awb-color1);--button_accent_hover_color:#000000;--button_border_hover_color:#000000;--button_gradient_top_color:#fe9900;--button_gradient_bottom_color:#fe9900;--button_gradient_top_color_hover:#ffffff;--button_gradient_bottom_color_hover:#ffffff;\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/123credit.ro\/specialisti-credite#brokers\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">GASESTE SPECIALISTUL TAU!<\/span><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-3\"><h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400; letter-spacing: -0.57px; background-color: rgba(255, 255, 255, 0);\">Concluzie<\/span><\/h2>\n<p>Cu shopping-ul online au devenit norma \u0219i atacurile cibernetice tot mai sofisticate, activarea sistemului 3D Secure nu mai este op\u021bional\u0103, ci esen\u021bial\u0103.<\/p>\n<p>Fie c\u0103 prime\u0219ti un cod prin SMS, fie c\u0103 autorizezi plata prin aplica\u021bia b\u0103ncii, tu e\u0219ti singura persoan\u0103 care poate valida o tranzac\u021bie. Asta \u00eenseamn\u0103 control total asupra cardului t\u0103u \u0219i un nivel mult mai ridicat de siguran\u021b\u0103.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-right:0px;--awb-padding-bottom:0px;--awb-padding-left:0px;--awb-margin-top:40px;--awb-margin-bottom:40px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-column-inner-bg-wrapper notitles\" style=\"--awb-inner-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/123credit.ro\/credit-nevoi-personale\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-content-boxes content-boxes columns row fusion-columns-3 fusion-columns-total-3 fusion-content-boxes-1 content-boxes-icon-with-title content-left\" style=\"--awb-backgroundcolor:var(--awb-color3);--awb-body-color:var(--awb-color7);--awb-title-color:var(--awb-color5);--awb-iconcolor:var(--awb-color5);--awb-margin-top:0px;--awb-margin-bottom:0px;--awb-hover-accent-color:var(--awb-color4);--awb-circle-hover-accent-color:transparent;\" data-animationOffset=\"top-into-view\"><div style=\"--awb-backgroundcolor:var(--awb-color3);--awb-iconcolor:var(--awb-color5);\" class=\"fusion-column content-box-column content-box-column content-box-column-1 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover content-box-column-first-in-row\"><div class=\"col content-box-wrapper content-wrapper-background link-area-box link-type-button icon-hover-animation-fade fusion-animated\" data-link=\"https:\/\/123credit.ro\/specialisti-credite\" data-link-target=\"_blank\" data-animationType=\"fadeInDown\" data-animationDuration=\"0.3\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><a class=\"heading-link\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/specialisti-credite\" target=\"_blank\" rel=\"noopener noreferrer\"><div class=\"icon\"><i style=\"background-color:transparent;border-color:transparent;height:auto;width: 20px;line-height:normal;font-size:20px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-hand-holding-usd fas circle-no\"><\/i><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:24px;--fontSize:24;line-height:var(--awb-typography1-line-height);\">Ai nevoie de p\u0103rerea unui specialist \u00een credite?<\/h3><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Un specialist \u00een credite \u00ee\u021bi va oferi consultan\u021b\u0103 \u0219i solu\u021bii financiare legate de ob\u021binerea \u0219i gestionarea creditului t\u0103u.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><a class=\"fusion-read-more-button fusion-content-box-button fusion-button button-default fusion-button-default-size button- button-flat\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/specialisti-credite\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"fusion-button-text\">Consult\u0103 un specialist<\/span><\/a><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div style=\"--awb-backgroundcolor:var(--awb-color3);--awb-iconcolor:var(--awb-color5);\" class=\"fusion-column content-box-column content-box-column content-box-column-2 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover \"><div class=\"col content-box-wrapper content-wrapper-background link-area-box link-type-button icon-hover-animation-fade fusion-animated\" data-link=\"https:\/\/123credit.ro\/calculator-imprumut\" data-link-target=\"_blank\" data-animationType=\"fadeInDown\" data-animationDuration=\"0.3\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><a class=\"heading-link\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/calculator-imprumut\" target=\"_blank\" rel=\"noopener noreferrer\"><div class=\"icon\"><i style=\"background-color:transparent;border-color:transparent;height:auto;width: 20px;line-height:normal;font-size:20px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-warehouse fas circle-no\"><\/i><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:24px;--fontSize:24;line-height:var(--awb-typography1-line-height);\">Vrei s\u0103 afli c\u00e2t po\u021bi s\u0103 \u00eemprumu\u021bi? <\/h3><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Verific\u0103 care este suma pe care o po\u021bi primi, ce rat\u0103 \u021bi se potrive\u0219te \u0219i care este gradul t\u0103u de \u00eendatorare acces\u00e2nd calculatorul de \u00eemprumut.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><a class=\"fusion-read-more-button fusion-content-box-button fusion-button button-default fusion-button-default-size button- button-flat\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/calculator-imprumut\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"fusion-button-text\">C\u00e2t pot s\u0103 \u00eemprumut<\/span><\/a><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div style=\"--awb-backgroundcolor:var(--awb-color3);--awb-iconcolor:var(--awb-color5);\" class=\"fusion-column content-box-column content-box-column content-box-column-3 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover content-box-column-last content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper-background link-area-box link-type-button icon-hover-animation-fade fusion-animated\" data-link=\"https:\/\/123credit.ro\/refinantare-credit-ipotecar\" data-link-target=\"_blank\" data-animationType=\"fadeInDown\" data-animationDuration=\"0.3\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><a class=\"heading-link\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/refinantare-credit-ipotecar\" target=\"_blank\" rel=\"noopener noreferrer\"><div class=\"icon\"><i style=\"background-color:transparent;border-color:transparent;height:auto;width: 20px;line-height:normal;font-size:20px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-hand-holding-usd fas circle-no\"><\/i><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:24px;--fontSize:24;line-height:var(--awb-typography1-line-height);\">Ai nevoie de refinantare pentru creditul t\u0103u?<\/h3><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Refinan\u021beaz\u0103 creditul t\u0103u ipotecar sau Noua Cas\u0103 \u0219i transform\u0103 dob\u00e2nda variabil\u0103 \u00een dob\u00e2nd\u0103 fix\u0103 sau ob\u021bine o rat\u0103 mai mic\u0103.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><a class=\"fusion-read-more-button fusion-content-box-button fusion-button button-default fusion-button-default-size button- button-flat\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/refinantare-credit-ipotecar\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"fusion-button-text\">Refinan\u021beaz\u0103 rapid<\/span><\/a><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-4\"><h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>\u00centreb\u0103ri frecvente<\/b><\/h2>\n<p><b>1. Ce este parola 3D Secure \u0219i cum o activez?<\/b><\/p>\n<p>Parola 3D Secure este o metod\u0103 suplimentar\u0103 de autentificare pentru pl\u0103\u021bile online. Se activeaz\u0103 automat de cele mai multe ori atunci c\u00e2nd \u00ee\u021bi folose\u0219ti cardul pentru prima oar\u0103 online. \u00cen func\u021bie de banc\u0103, poate fi un cod primit prin SMS sau o confirmare \u00een aplica\u021bia mobil\u0103.<\/p>\n<p><b>2. Este obligatorie parola 3D Secure pentru toate pl\u0103\u021bile online?<\/b><\/p>\n<p>Da. \u00cencep\u00e2nd cu noile reglement\u0103ri europene (PSD2), autentificarea \u00een doi pa\u0219i este obligatorie pentru majoritatea pl\u0103\u021bilor online, pentru a reduce riscul de fraud\u0103.<\/p>\n<p><b>3. Ce fac dac\u0103 nu primesc codul prin SMS?<\/b><\/p>\n<p>\u00cen acest caz, verific\u0103 dac\u0103 ai semnal, dac\u0103 num\u0103rul t\u0103u este asociat contului bancar \u0219i dac\u0103 aplica\u021bia mobil\u0103 a b\u0103ncii este configurat\u0103 corect. Dac\u0103 problema persist\u0103, contacteaz\u0103 imediat banca.<\/p>\n<p><b>4. Parola 3D Secure e aceea\u0219i cu cea de internet banking?<\/b><\/p>\n<p>Nu. Parola 3D Secure este folosit\u0103 doar pentru autorizarea pl\u0103\u021bilor online. Internet banking-ul are un sistem de autentificare separat.<\/p>\n<p><b>5. Dac\u0103 \u00eemi pierd telefonul, mai pot pl\u0103ti online?<\/b><\/p>\n<p>Da, dar va trebui s\u0103 contactezi banca pentru a reconfigura metoda de autentificare pe un nou dispozitiv. E important s\u0103 ac\u021bionezi rapid pentru a evita blocarea accesului.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 8<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><\/p>\n","protected":false},"author":15,"featured_media":3202,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[54],"tags":[],"class_list":["post-3201","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-ipotecar"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ce este parola 3D Secure \u0219i cum func\u021bioneaz\u0103 - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Ce este parola 3D Secure, cum func\u021bioneaz\u0103 \u0219i cum contribuie la siguran\u021ba pl\u0103\u021bilor online. Informa\u021bii esen\u021biale despre activare.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/123credit.ro\/blog\/ce-este-parola-3d-secure\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ce este parola 3D Secure \u0219i cum func\u021bioneaz\u0103 - Blogul 123Credit\" \/>\n<meta property=\"og:description\" content=\"Ce este parola 3D Secure, cum func\u021bioneaz\u0103 \u0219i cum contribuie la siguran\u021ba pl\u0103\u021bilor online. Informa\u021bii esen\u021biale despre activare.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/123credit.ro\/blog\/ce-este-parola-3d-secure\/\" \/>\n<meta property=\"og:site_name\" content=\"Blogul 123Credit\" \/>\n<meta property=\"article:published_time\" content=\"2025-06-20T09:31:52+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-06-25T09:27:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/06\/Propuneri-vizualuri-Blog-10.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"940\" \/>\n\t<meta property=\"og:image:height\" content=\"788\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Adrian Pandelescu\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"Adrian Pandelescu\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/ce-este-parola-3d-secure\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/ce-este-parola-3d-secure\\\/\"},\"author\":{\"name\":\"Adrian Pandelescu\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/dc47f911660441a489d20019f2882be9\"},\"headline\":\"Ce este parola 3D Secure \u0219i cum func\u021bioneaz\u0103\",\"datePublished\":\"2025-06-20T09:31:52+00:00\",\"dateModified\":\"2025-06-25T09:27:42+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/ce-este-parola-3d-secure\\\/\"},\"wordCount\":3287,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/ce-este-parola-3d-secure\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/Propuneri-vizualuri-Blog-10.jpg\",\"articleSection\":[\"Credit Ipotecar\"],\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/ce-este-parola-3d-secure\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/ce-este-parola-3d-secure\\\/\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/ce-este-parola-3d-secure\\\/\",\"name\":\"Ce este parola 3D Secure \u0219i cum func\u021bioneaz\u0103 - Blogul 123Credit\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/ce-este-parola-3d-secure\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/ce-este-parola-3d-secure\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/Propuneri-vizualuri-Blog-10.jpg\",\"datePublished\":\"2025-06-20T09:31:52+00:00\",\"dateModified\":\"2025-06-25T09:27:42+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/dc47f911660441a489d20019f2882be9\"},\"description\":\"Ce este parola 3D Secure, cum func\u021bioneaz\u0103 \u0219i cum contribuie la siguran\u021ba pl\u0103\u021bilor online. Informa\u021bii esen\u021biale despre activare.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/ce-este-parola-3d-secure\\\/#breadcrumb\"},\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/ce-este-parola-3d-secure\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/ce-este-parola-3d-secure\\\/#primaryimage\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/Propuneri-vizualuri-Blog-10.jpg\",\"contentUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/Propuneri-vizualuri-Blog-10.jpg\",\"width\":940,\"height\":788,\"caption\":\"ce este parola 3D secure\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/ce-este-parola-3d-secure\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Ce este parola 3D Secure \u0219i cum func\u021bioneaz\u0103\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/\",\"name\":\"Blogul 123Credit\",\"description\":\"Blogul 123Credit iti ofera toate informatiile de care ai nevoie cand aplici pentru un credit ipotecar\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ro-RO\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/dc47f911660441a489d20019f2882be9\",\"name\":\"Adrian Pandelescu\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/WhatsApp-Image-2025-04-23-at-16.43.23-1-96x96.jpeg\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/WhatsApp-Image-2025-04-23-at-16.43.23-1-96x96.jpeg\",\"contentUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/WhatsApp-Image-2025-04-23-at-16.43.23-1-96x96.jpeg\",\"caption\":\"Adrian Pandelescu\"},\"description\":\"Cu o experien\u021b\u0103 solid\u0103 de peste 14 ani \u00een consiliere financiar\u0103, \u00eembin expertiza financiar\u0103 cu pasiunea pentru content writing. Transform experien\u021ba mea \u00een articole clare \u0219i accesibile, ajut\u00e2ndu-te s\u0103 \u00een\u021belegi mai bine lumea finan\u021b\u0103rilor. Fie c\u0103 ai nevoie de solu\u021bii sau informa\u021bii financiare, sunt aici s\u0103 te ajut.\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/author\\\/adrian_pandelescu\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Ce este parola 3D Secure \u0219i cum func\u021bioneaz\u0103 - Blogul 123Credit","description":"Ce este parola 3D Secure, cum func\u021bioneaz\u0103 \u0219i cum contribuie la siguran\u021ba pl\u0103\u021bilor online. Informa\u021bii esen\u021biale despre activare.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/123credit.ro\/blog\/ce-este-parola-3d-secure\/","og_locale":"ro_RO","og_type":"article","og_title":"Ce este parola 3D Secure \u0219i cum func\u021bioneaz\u0103 - Blogul 123Credit","og_description":"Ce este parola 3D Secure, cum func\u021bioneaz\u0103 \u0219i cum contribuie la siguran\u021ba pl\u0103\u021bilor online. Informa\u021bii esen\u021biale despre activare.","og_url":"https:\/\/123credit.ro\/blog\/ce-este-parola-3d-secure\/","og_site_name":"Blogul 123Credit","article_published_time":"2025-06-20T09:31:52+00:00","article_modified_time":"2025-06-25T09:27:42+00:00","og_image":[{"width":940,"height":788,"url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/06\/Propuneri-vizualuri-Blog-10.jpg","type":"image\/jpeg"}],"author":"Adrian Pandelescu","twitter_card":"summary_large_image","twitter_misc":{"Scris de":"Adrian Pandelescu","Timp estimat pentru citire":"11 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/123credit.ro\/blog\/ce-este-parola-3d-secure\/#article","isPartOf":{"@id":"https:\/\/123credit.ro\/blog\/ce-este-parola-3d-secure\/"},"author":{"name":"Adrian Pandelescu","@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/dc47f911660441a489d20019f2882be9"},"headline":"Ce este parola 3D Secure \u0219i cum func\u021bioneaz\u0103","datePublished":"2025-06-20T09:31:52+00:00","dateModified":"2025-06-25T09:27:42+00:00","mainEntityOfPage":{"@id":"https:\/\/123credit.ro\/blog\/ce-este-parola-3d-secure\/"},"wordCount":3287,"commentCount":0,"image":{"@id":"https:\/\/123credit.ro\/blog\/ce-este-parola-3d-secure\/#primaryimage"},"thumbnailUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/06\/Propuneri-vizualuri-Blog-10.jpg","articleSection":["Credit Ipotecar"],"inLanguage":"ro-RO","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/123credit.ro\/blog\/ce-este-parola-3d-secure\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/123credit.ro\/blog\/ce-este-parola-3d-secure\/","url":"https:\/\/123credit.ro\/blog\/ce-este-parola-3d-secure\/","name":"Ce este parola 3D Secure \u0219i cum func\u021bioneaz\u0103 - Blogul 123Credit","isPartOf":{"@id":"https:\/\/123credit.ro\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/123credit.ro\/blog\/ce-este-parola-3d-secure\/#primaryimage"},"image":{"@id":"https:\/\/123credit.ro\/blog\/ce-este-parola-3d-secure\/#primaryimage"},"thumbnailUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/06\/Propuneri-vizualuri-Blog-10.jpg","datePublished":"2025-06-20T09:31:52+00:00","dateModified":"2025-06-25T09:27:42+00:00","author":{"@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/dc47f911660441a489d20019f2882be9"},"description":"Ce este parola 3D Secure, cum func\u021bioneaz\u0103 \u0219i cum contribuie la siguran\u021ba pl\u0103\u021bilor online. Informa\u021bii esen\u021biale despre activare.","breadcrumb":{"@id":"https:\/\/123credit.ro\/blog\/ce-este-parola-3d-secure\/#breadcrumb"},"inLanguage":"ro-RO","potentialAction":[{"@type":"ReadAction","target":["https:\/\/123credit.ro\/blog\/ce-este-parola-3d-secure\/"]}]},{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/123credit.ro\/blog\/ce-este-parola-3d-secure\/#primaryimage","url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/06\/Propuneri-vizualuri-Blog-10.jpg","contentUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/06\/Propuneri-vizualuri-Blog-10.jpg","width":940,"height":788,"caption":"ce este parola 3D secure"},{"@type":"BreadcrumbList","@id":"https:\/\/123credit.ro\/blog\/ce-este-parola-3d-secure\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/123credit.ro\/blog\/"},{"@type":"ListItem","position":2,"name":"Ce este parola 3D Secure \u0219i cum func\u021bioneaz\u0103"}]},{"@type":"WebSite","@id":"https:\/\/123credit.ro\/blog\/#website","url":"https:\/\/123credit.ro\/blog\/","name":"Blogul 123Credit","description":"Blogul 123Credit iti ofera toate informatiile de care ai nevoie cand aplici pentru un credit ipotecar","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/123credit.ro\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ro-RO"},{"@type":"Person","@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/dc47f911660441a489d20019f2882be9","name":"Adrian Pandelescu","image":{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/05\/WhatsApp-Image-2025-04-23-at-16.43.23-1-96x96.jpeg","url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/05\/WhatsApp-Image-2025-04-23-at-16.43.23-1-96x96.jpeg","contentUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/05\/WhatsApp-Image-2025-04-23-at-16.43.23-1-96x96.jpeg","caption":"Adrian Pandelescu"},"description":"Cu o experien\u021b\u0103 solid\u0103 de peste 14 ani \u00een consiliere financiar\u0103, \u00eembin expertiza financiar\u0103 cu pasiunea pentru content writing. Transform experien\u021ba mea \u00een articole clare \u0219i accesibile, ajut\u00e2ndu-te s\u0103 \u00een\u021belegi mai bine lumea finan\u021b\u0103rilor. Fie c\u0103 ai nevoie de solu\u021bii sau informa\u021bii financiare, sunt aici s\u0103 te ajut.","url":"https:\/\/123credit.ro\/blog\/author\/adrian_pandelescu\/"}]}},"_links":{"self":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/3201","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/comments?post=3201"}],"version-history":[{"count":3,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/3201\/revisions"}],"predecessor-version":[{"id":3250,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/3201\/revisions\/3250"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media\/3202"}],"wp:attachment":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media?parent=3201"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/categories?post=3201"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/tags?post=3201"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}