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3D Secure service provides an additional security layer while using your Bank AL Habib Credit/Debit Card for internet-based transactions. It protects from unauthorized access. You will be required to provide a One-Time Password (OTP), that is sent to your mobile number and email address registered with the bank, when you make any transactions on 3D Secure enabled websites. The transaction cannot be processed without the given OTP.
3D Secure Enablement Process
1 
Visit 3D Secure enabled online merchant
2 
Enter the required Card details and proceed to checkout page
3 
After successful checkout, OTP screen will generate prompt for customer
4 
OTP will be sent on customer`s mobile number and email, registered with the bank
5 
Upon submission of correct OTP, transaction will be processed
Disclaimer
- Bank AL Habib is indemnified against any and all actions, proceedings, liabilities, claims, losses, damages, costs and expenses incurred or sustained by Bank AL Habib in relation to or arising as a result of action of internet session.
- In case a non 3D secure website is used to perform an online transaction, an OTP will not be generated and the liability for all reversals will reside with the merchant. Therefore, kindly avoid using non 3D secure websites.
- Bank AL Habib will never contact you asking for your Personal Information, Debit/Credit card number, PIN, OTP or CVV via Phone, SMS or email, and it will not be liable for any loss, damage, costs or expenses of any nature whatsoever arising from any disclosure that you make of the aforesaid information.
- You agree and acknowledge the Terms & Conditions for 3D Secure.
- Every time you conduct an online transaction on your card, please contact our 24/7 Call Center 021-111-014-014
Frequently Asked Questions
- How can I identify which merchant is 3D Secure enabled?
3D Secure merchants are powered by MasterCard Secure code and Verified by Visa . Also, the 3D Secure merchants will prompt the OTP Screen for the processing of transaction. Otherwise, session based transaction would be conducted.
- What do we mean by OTP (One Time Password)?
One Time Password (OTP) is a 6-digit online verification code sent to your mobile number and email address registered with the bank in order to process an internet-based 3D transaction.
- Are there any charges associated with 3D Secure service?
There are no charges for the 3D Secure service. However, international e-commerce transactions may be charged as per the prevailing Schedule Of Charges
- How can I activate the 3D Secure services on my card?
For activation of 3D Secure Ecommerce, please call our 24/7 helpline at (+92-21) 111-014-014.
- How long is the OTP valid for?
An OTP will be valid for 10 minutes only from the time it is generated, after which the transaction needs to be reinitiated.
- Will I receive the OTP for all the internet based transactions?
You will only receive an OTP on your registered mobile number / email address for internet-based transactions on 3D Secure enabled websites. For non – 3D Secure enabled websites, you will not go through the OTP authentication process
- How many attempts are allowed to input OTP for a single transaction?
You have three attempts to enter the correct OTP. After three incorrect attempts, your transaction will be declined.
- What happens if I insert incorrect OTP?
The transaction will not be processed and maximum three OTPs will be sent to you on you registered mobile number/email address, afterwards, the OTP screen will be closed and the transaction would be declined.
- What should I do if I receive the OTP for the transaction not performed by me?
Please call Bank AL Habib Call Center at (+92-21) 111-014-014 immediately to block your Bank AL Habib Credit Card & Debit Card.
- If my mobile phone is on roaming while I am abroad, will I receive an OTP for internet-based transactions?
Yes, you will receive an OTP via SMS and E-mail. However, you may incur roaming charges (if any) from your mobile service provider.
- Can I provide a temporary phone number to receive my OTP if my Bank AL Habib registered phone number is not available?
An OTP via SMS will only be sent to your registered mobile number and registered e-mail address. To update your mobile number and email address, please visit your Bank AL Habib relationship branch.
- Which browser do I need to use for 3D Secure?
The following browsers are all compatible with the 3D Secure service:
- Internet Explorer
- Microsoft Edge
- Apple Safari
- Google Chrome
- Opera
- 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 cannot sign-out, close the browser window and clear your browser’s cache and history to prevent unauthorized access to your account information.
- What should I do if I suspect that information on my Bank AL Habib Credit Card is compromised or has been used to make fraudulent purchases?
Please call the Bank AL Habib Call Center immediately at (+92-21) 111-014-014 and report the suspected fraudulent activity on your card.
- Will I be notified once the financial transaction is completed?
Yes, you will be notified on your registered phone number via SMS and Email ID, once the financial transaction is completed.