Our 3D Secure debit card service provides peace of mind for online shoppers at participating merchant websites. It is an authentication system designed to confirm the identity of the cardholder when a Visa® Debit Card is used online in suspicious or unusual circumstances (for example, if you’re shopping online while traveling).
A One Time Password (OTP) allows customers to confirm whether the online transaction is legitimate. This password will be sent to your mobile phone.
1. Receive a challenge asking for a code
A pop-up is sent after you make an Online Purchase that asks for a OTP.
2. Receive OTP
OTP is sent via SMS to your registered phone number.
3. Enter the code.
Please enter OTP and ensure transaction reference on OTP screen is matched with SMS (Do not share OTP to anyone else).
FAQ
Is an OTP required for all online purchases?
No. The password is required only at merchant websites that support 3D Secure (3DS) authentication protocols. Entering the password provides extra security for online transactions.
A transaction originating with a 3D Secure merchant passes through a risk-assessment process. If the authorization is considered a higher risk or out of normal activity, a code will be generated to validate the purchase.
How do I know if an online merchant is a 3DS enabled merchant?
If an online merchant is 3DS enabled, the website will display the logo of 3DS card scheme such as Visa Secure.
How can I register or update my contact information?
Please call a Customer Service Specialist at 1-800-280-8280 or visit your local banking center to update any account information.
What if I am unable to successfully complete the OTP challenge or it fails?
If you receive a failed authentication or an error message, contact a Customer Service Specialist at 1-800-280-8280 or visit your local banking center.
