The present invention generally relates to a system and a method for establishing a separate session during an on-line session. In one aspect, a method for establishing a session with a server during an on-line transaction session is provided. The method includes detecting an on-line payment page and inserting a code into the on-line payment page, wherein the code is scripted to open a first pop-up window. The method further includes prompting a user via the first pop-up to answer a question, wherein the question is used to determine if a secure payment process is to be used. Additionally, the method includes opening the session with the server via a second pop-up window if the answer to the question is affirmative.