Bank AL Habib MasterCard Credit Cards and Visa Debit Cards are now protected by “MasterCard SecureCode” and “Verified by Visa (VBV)” respectively, which uses the advanced 3D secure platform for internet-based transactions.
3D Secure is the latest technology aimed at improving online security through authentication of each transaction by the cardholder so that you use your card with more conﬁdence and peace of mind. With this service, when you use your Bank AL Habib MasterCard Credit Card and Visa Debit Card on websites that display "MasterCard SecureCode” and “Visa Secure” respectively, you will receive a One-Time-Password (OTP) through SMS and email as you complete your transaction.
In order to perform e-commerce transactions on your cards, please call our 24/7 call center (+92-21) 111-014-014 to activate the service.
Note: E-commerce per day transaction limits of Visa Debit Cards are clubbed with POS limits.
3D Secure service provides an additional security layer while using your Bank AL Habib Master Credit / VISA Debit Cards 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 (if available) registered with the bank, when you make any transactions on 3D Secure enabled websites.
3D Secure merchants are powered by "MasterCard Secure code" / "Verified by VISA". Also, the 3D Secure merchants will prompt the OTP Screen for the processing of transaction.
One-Time-Password (OTP) is a 6-digit online verification code sent to your mobile number and email address (if available) registered with the bank in order to process an internet-based 3D transaction.
There are no charges for the e-commerce transactions. However, international e-commerce transactions may be charged as per the prevailing schedule of charges.
For activation of e-commerce service, please call from your registered number to our 24/7 call center at (+92-21) 111-014-014.
A dynamic OTP will be valid for 10 minutes only from the time it is generated, after which the transaction needs to be re-initiated.
You will only receive an OTP on your registered mobile number / email address (if available) for internet-based transactions on 3D Secure enabled websites. For non – 3D Secure enabled websites, you will not go through the OTP authentication process.
You have three attempts to enter the correct OTP. After three incorrect attempts, your transaction will be declined.
The transaction will not be processed and maximum three attempts to enter the correct OTP will be allowed, afterwards, the OTP screen will be closed and the transaction would be declined.
Please contact our 24/7 Bank AL Habib call center at (+92-21) 111-014-014 immediately to block your Card.
Yes, you will receive an OTP via SMS and E-mail. However, you may incur roaming charges (if any) from your mobile service provider.
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.
The following browsers are all compatible with the 3D Secure service: 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.
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 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.
Please call our call center immediately at (+92-21) 111-014-014 and report the suspected fraudulent activity on your card.
Yes, you will be notified on your registered phone number via SMS and Email ID, once the financial transaction is completed.
The supplementary Credit Cardholder can perform the e-commerce transactions; however, its OTP will be shared on the Basic Cardholder’s registered mobile number and email address.
For Visa Supplementary Debit Cardholder, OTP will only be sent to the Cardholder on his/her mobile number and email address registered with the bank in order to perform 3D Secure e-commerce transaction.