Completing a 3-D Secure bank authentication step Guide

Sometimes your bank asks you to confirm a payment before it will approve it. This extra verification is often called 3-D Secure, and it usually appears as a short prompt from your bank while you're completing a purchase or when a renewal is processed. This article explains what to expect and how to finish the step so your payment goes through.

What a bank authentication step is

Banks use 3-D Secure to confirm that you are the person making a payment. When it's triggered, your bank asks you to approve the charge, typically through your banking app, a one-time passcode sent by text or email, or an on-screen prompt from your card provider.

This is a standard security measure. Praxivara doesn't control whether it's required or how your bank delivers it — that decision is made by your bank based on the card and the transaction.

Note: A bank authentication step is not the same as a declined card. It simply means your bank wants an extra confirmation before approving the payment.

Completing the step during a purchase

If verification is required while you're buying a plan, upgrading, or adding to your account, the prompt appears as part of the checkout flow. To complete it:

1. When your bank's verification prompt appears, follow the instructions it shows.
2. Approve the payment in your banking app, or enter the one-time passcode your bank sends you.
3. Wait for the prompt to close on its own — don't close the window or navigate away while it's loading.
4. Once your bank confirms, the payment finishes and you'll see your updated plan or purchase reflected on the Billing page.

If the prompt doesn't appear or seems stuck, make sure any pop-up blockers are turned off for the page and try again.

Completing the step for a renewal or failed payment

If your bank required verification when a scheduled renewal ran, and the step wasn't completed in time, the payment may not have gone through and your account can move into a past-due state. To resolve it:

1. Open Settings → Billing (also reachable at /user/billing).
2. Look for the prompt indicating a payment needs attention.
3. Start the payment again from the Billing page. Your bank's verification prompt will appear.
4. Approve the charge with your bank, then wait for confirmation.

Once the payment succeeds, your account returns to its normal active state and full access is restored.

If the authentication doesn't go through

If you weren't able to complete the step, or the payment still didn't succeed, try the following:

• Retry the payment. Return to the Billing page and start it again — a fresh attempt will re-trigger the verification prompt.
• Check your banking app. Some banks queue the approval request there; opening the app may let you confirm it directly.
• Confirm your card details are current. Make sure the card on file hasn't expired and that your billing address is complete, since both can affect whether a payment is approved.
• Try a different card. You can add another card as your default payment method and attempt the payment again.
• Contact your bank. If the verification keeps failing, your bank can tell you whether something is blocking the charge on their side.

Keeping future payments smooth

Verification prompts are more likely to complete successfully when your payment details are up to date. From the Billing page you can review the cards on file, set a default card, and confirm your billing address. Keeping a valid card on file means renewals have the best chance of going through without interruption.

Tip: If your plan is provided through a workspace, payments are handled by your workspace admin. In that case there's nothing for you to verify or manage here — reach out to your admin if a payment needs attention.