Frequently Asked Questions on 3D Secure

What is 3D Secure?

3D Secure is a service facilitated by VISA and Mastercard that lets you transact online securely using your Credit Card, Debit Card and Debit Card-i. This service is available only on 3D Secure merchant sites.


• Verified by Visa (VBV) /Mastercard SecureCode (MSC), introduces password protection during an Internet purchase to authenticate the customer.

• The goal of VBV/MSC is to create the same trust and confidence amongst merchants and customers that exist in a face-to-face shopping environment.

What are the benefits of 3D Secure?

VBV/MSC provides added assurance by authenticating you while using your Standard Chartered Bank Visa/Mastercard to make payments online. You can be assured that any online merchant giving VBV/MSC service is a legitimate commercial entity. A private code means added protection against unauthorised use of your Credit Card, Debit Card and Debit Card-i when you make payments online.


VBV/MSC protects your existing Visa/Mastercard with an One-time password (OTP) or Push Notification sent to your registered mobile number with the bank, giving you assurance that only you can use your Visa/Mastercard for electronic payments. The added protection of VBV/MSC is available as soon as your mobile number is successfully registered with the Bank.


Below are the summary for Authentication of online transaction via OTP & Push Notification:

You will receive One-time password (“OTP”) via SMS You will receive Push Notification from SC Mobile app
  • If you are not a SC Mobile app user
    		•
  • If you are a SC Mobile app user and have registered for Soft Token
    		•

    How do I register for 3D Secure OTP?

    Registration is not required for the service.

    Will I be charged for 3D Secure OTP service?
    No. This service is free of charge.
    If I am issued a new Card, is there a need for 3D Secure registration?

    No. You do not need to register for this service as it is made available to all customers who have registered their mobile number with the bank. The above said service includes Supplementary Credit Cardholders who have registered their mobile number with the bank.

    When performing the online transaction, what are the details that I need to enter?

    It depends on the merchant but generally the information needed would be some of the following (merchant may request for more/ less info):

    1. Card Number
    2. Expiry Date
    3. CVV/CVC2 (the 3 digits mentioned on the back of your Card)
    4. Name on Card

    Once the above is entered, you will be directed to a 3D secure page and proceed with authentication via OTP or Push Notification to complete the transaction.r/>
    Please click here to see the steps and screenshots illustrate the customer journey of OTP and Push Notification flow to proceed with a 3D Secure transaction.

    How can I update my mobile number?

    You may update mobile number via SC Mobile app or online banking. Alternatively, you may chat with our Client Care Executives at https://bit.ly/CTC-my or walk into any Standard Chartered Branch to update your mobile number.


    The above process is applicable to both Principal and Supplementary Cardholders.

    Is my personal information safe and secured?
    Yes. Your card details are encrypted and stored on a secured server
    Will my account lock after certain tries of invalid 3D Secure OTP?
    No, your account will not be locked but the transaction will be deemed as unsuccessful after 3 tries of invalid 3D Secure OTP.
    How long is the validity of 3D Secure Push Notification?
    The push notification is valid for 100 seconds. If you do not react on it, our system will send you a SMS to communicate One-time password (OTP) for you to enter & proceed with the transaction.
    How long is the validity of the 3D Secure OTP?
    The 3D Secure OTP is valid for 4 minutes. After 4 minutes, the 3D Secure OTP will expire and you may request to send a new 3D Secure OTP by clicking “Resend OTP” on the webpage.
    I receive a push notification when I perform a 3D Secure transaction. I didn’t react on push notification and a SMS was sent to me after few minutes. May I know why a SMS is sent to me?
    The push notification is valid for 100 seconds. If you do not react on it within 100 seconds, you will be routed to an OTP page and an OTP will be triggered via SMS and sent to your registered mobile number for you to enter & complete the transaction.
    How would I know if the merchant is VBV/MSC compliant?
    If a merchant is VBV/MSC compliant, you will be able to see the Verified by Visa or Mastercard SecureCode logo on the site.
    If I disable Banking or Marketing Alert in SC Mobile App, will I still receive push notification for authentication of online transaction?
    Yes, push notification will still be triggered to you for authentication of online transaction.
    Will I receive any notification for my successful transactions?

    For Credit Card Principal Cardholder & Debit Cardholder
    Yes. You will be receiving a notification informing the successful transaction performed by you and your Supplementary Cardholder and the transacted amount.


    For Credit Card Supplementary Cardholder
    No. You will not be receiving any notification for your successful transaction. The successful transaction notification will be sent to your Principal Cardholder.

    I’m a Soft Token registered customer and I don’t wish to authenticate my transaction via push notification. Can I disable the service or opt to change the authentication method to receive OTP via SMS?

    No, we can’t change the authentication method of Soft Token registered customer to OTP. Nevertheless, push notification is only valid for 100 seconds. If customer did not react on the push notification within 100 seconds, customer will be routed to an OTP page and receives OTP via SMS.


    I do not want to receive 3D Secure OTP. Can this be disabled?
    We are not able to disable the sending of 3D Secure OTP as this is an added protection against unauthorised use of your Credit Card, Debit Card and Debit Card-i when you make payments online.
    I am a Supplementary Credit Card. Will I be able to receive 3D Secure OTP?
    Yes. Effective 16 Oct 2018, we have enhanced our system to allow Supplementary Credit Cardholder to receive 3D Secure OTP on his/her registered mobile number with the bank.

    To register Supplementary Credit Cardholder’s mobile number:
    Supplementary Credit Cardholder or the Principal Credit Cardholder may contact our Client Care Centre at 03-7711 8888 or visit our nearest branch to update the mobile number.