diff --git a/app/controllers/payment-types/get-index.controller.js b/app/controllers/payment-types/get-index.controller.js
index 76278818ca..7a7b9d6f24 100644
--- a/app/controllers/payment-types/get-index.controller.js
+++ b/app/controllers/payment-types/get-index.controller.js
@@ -27,7 +27,10 @@ function formatCardsForTemplate (allCards, acceptedCards, threeDSEnabled) {
 
       if (card.requires3ds && !threeDSEnabled) {
         formatted.disabled = true
-        formatted.hint = {
+        formatted.hint = process.env.NODE_ENV !== 'production' ? {
+          html: `3D Secure, required to accept ${card.label}, is not available in Sandbox accounts.`
+        } :
+        {
           html: `You must <a class="govuk-link" href="/3ds">enable 3D Secure</a> to accept ${card.label}`
         }
       }