Introducing 3-D Secure — an extra layer of safety for card payments

November 04, 2021


To make riding with Bolt as convenient and safe as possible, we’re making card payments even more secure.

In addition to our existing processes for securely storing and encrypting your card information, we’re adding 3-D Secure for an extra layer of security.

What is 3-D Secure?

3-D Secure ensures that every card transaction made on the Bolt app is authorised by you. It lets your bank verify your identity when you use a credit or debit card online — preventing others from using your card without your permission or knowledge.

After you add your card to the Bolt app, you’ll be taken to your bank’s web page asking you to enter a code sent to you by SMS. (Your bank uses the phone number on record, to make sure the message goes to the right person). Then, you simply need to enter the code to start ordering Bolt rides. 

If you have any problems getting or entering the code, contact your bank for help. Here are contact details and 3-D Secure information pages for the main banks in Nigeria.

3-D Secure bank contacts

Zenith Bank

Phone number: +234 1 2787000

Guaranty Trust Bank (GTB)
Complaint Form:

Phone number: +234 1 4480000

Access Bank


Phone number: +234 1 2712005

First Bank


Phone number: +234708 062 5000

Using 3-D Secure

  1. Enter your card details and click “Add card”

2. You will be redirected to the 3-DS screen provided by your bank.

3. Depending on your bank, you can either choose to use the hardware token option or be sent a token by your bank to your phone by SMS (soft token). Choose your preferred option and generate your token.

4. Enter the generated token on the bank web page form.

5. You’re done! The bank approves the token and you’ve added a card to your Bolt account.


What types of cards are accepted?

  • Mastercard, Visa, and American Express cards can be used. Verve cards are currently not accepted.

I didn’t receive the token 

  • Please confirm that your phone allows you to receive text messages from your bank.
  • Contact your bank’s customer service.

My token wasn’t accepted by the platform. 

  • Try entering the code again — the most common reason is an incorrectly entered code. 
  • Contact your bank if this issue persists.

The app doesn’t redirect me to my bank’s web page. 

  • Update your app to the latest version.
  • Check your internet connection.
  • If the issue persists, please contact Bolt support. 

So, next time you’re looking to move around conveniently and safely, choose Bolt and pay securely with your card. 


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