Verified by VISA

Enjoy enhanced security on internet transactions with 3D Secure One-Time Password

Enjoy online shopping with Visa 3D Secure One Time Password (OTP) service, which will provide enhanced security for your online credit card transactions.

3-D One-Time Password (OTP) is a security feature, that will send a special 6-digit password to your registered mobile phone number / Email every time you do an online transaction on a merchant with 3D secure facility. Your transaction is then only processed on a 3D secure merchant upon entering the required OTP sent to your registered mobile phone / Email address, thus enhancing security for your Credit Card from potential Cybercrime.

If you are a UBL Credit Card customer who was previously registered for 3D Secure Password, please note that the password is no longer valid and every online transaction on a 3D secure merchant will now require an OTP sent to your registered mobile number / email.

The steps in more detail:

Step 1: Log onto a certified Visa 3D Secure merchant website. Certified merchants can be identified by the logo “Verified by Visa” on the merchant’s website.
Step 2: Shop as per your desire and proceed to the checkout page. Please enter relevant data needed by the merchant. Confirm that the data is correct and continue.
Step 3: The 3D Secure page will prompt you to enter your One-Time Password (OTP) into the box provided.
Step 4: Enter the six digit One-Time Password, as received via SMS to your registered mobile phone number or email address, and then click 'Enter' to proceed.

This will complete your online shopping experience

Kindly avoid using a non 3D Secure Merchant. In case of a non 3D Secure website an OTP will not be generated and the liability for all reversals will reside with the merchant only.

Benefits

  • Increased Protection:Customers have complete control of their online transactions through mandatory secondary verification requirement.
  • Wider Acceptance:Gives customers convenient access to global markets. You can use your card to purchase from anywhere in the world.
  • Ease of Use:Allows customers to avoid cue for session activation. All Cards are automatically provided the 3-D Secure facility. No registration needed.
  • Secure Merchant Identification:Easy to identify secure merchants, through a “Verified by Visa” logo.
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Frequently Asked Questions

What is One-Time Password (OTP)?

OTP is a security feature service for online transactions. When you are transacting online where the merchant site requires OTP before a transaction is processed, it will be sent to your mobile phone via SMS and to your registered email address (e-alerts). You must then enter the OTP to complete the transaction. This service applies only to credit card holders whose mobile phone numbers and email address are registered in the United Bank Limited system.

What are the benefits of OTP?

OTP provides more security as it requires you to go through an authentication process when you are making an online transaction using UBL Visa credit card on a merchant online that has the logo “Verified by Visa”.

Do I need to register my UBL credit card to enable me to enjoy this service?

Registration for OTP is not required however; this service applies only to credit card holders whose mobile phone numbers and email address are already registered in the United Bank Limited system.

Is OTP required for all transactions in merchants online?

No, only online merchants who participate and have the logo “Verified by Visa” require you to enter the OTP to complete the transactions.

How can I know if I need an OTP to complete my online transaction?

Check for the logo ‘‘Verified by Visa’’ at the participating online merchant.

Will I be able to enjoy these benefits when transacting online at the merchants that are not connected to this service?

No, however this service is already available on many online merchants.

Which browser do I need to use for 3D Secure?

Any compatible browser such as Internet Explorer, Microsoft Edge, Apple Safari, Google Chrome, Opera and Mozilla Firefox. Please ensure that you have enabled the pop-up windows in your browser in order to complete your payment with 3D Secure authentication.

How will I know if the website is safe to use?

Look for secure transaction symbols when shopping online to ensure your account information is protected. These include a lock symbol usually found on the right or left side of your browser’s address bar and a web address that begins with “https”. Always sign-out of any website after you make a purchase. If you can’t sign-out, close the browser window and clear your browser’s cache and history to prevent unauthorized access to your account information.

Can OTP be sent to all mobile phone numbers or email addresses?

OTP can be sent to both local and international phone numbers and email addresses already registered in the United Bank Limited system.

If I do not have a mobile phone number that is registered in the United Bank Limited system can I still make transactions online?

No, you will not be able to do transactions online at verified merchants that have the sign “Verified by Visa”. If you want to update your data in the United Bank Limited system, please contact UBL Contact Centre at 111-825-888.

How do I update the data of my mobile phone number and email address?

Please contact UBL Contact Centre at 111-825-888.

For credit card, can my supplementary card holder enjoy this service as well?

No , OTP will only be sent to Primary cardholders’ s email or mobile number.

What should I do if I have not received the OTP?

OTP is valid only for UBL credit card holders with mobile phone numbers and email addresses registered in the United Bank Limited system. If you do not receive SMS or e-alert of OTP within 30 seconds after you have entered the web page that requires you to enter the OTP, you can click "Resend OTP" to request the resending of the OTP. You can also contact UBL Contact Centre at 111-825-888 to ensure that your mobile number or email address is current and accurate.

What will happen if I have wrongly entered OTP for several times?

You may make 3 attempts to enter your OTP. However, if you still enter the wrong OTP after the third attempt, you will be returned to the merchant’s online transaction page to make a repeat transaction.

How long will OTP be valid? What should I do if I fail to enter my OTP until it expires?

Your OTP is valid only for 3 minutes. If after 3 minutes you still have not entered it, you may then click the "Resend OTP" to ask for the resending of the OTP.

Can I receive the OTP when I am overseas?

Yes, we will send the OTP to your mobile phone number and email address already registered in the United Bank Limited system. When you are overseas and using an overseas mobile service provider, please make sure your mobile phone is able to receive international SMS which also means your mobile phone can receive the OTP.