1. What is the 3D secure service?
3D Secure is a security protocol that helps to prevent fraud in online card transactions. This additional security was initiated and created by Visa it’s branded as ‘Verified by Visa’. It requires a BancABC Visa Prepaid cardholder to enter a One Time Pin each time an online transaction is initiated from a 3D Secure enable merchant.
2. How do I register for 3D Secure?
There is no special and separate registration required, just update your KYC details.
3. How much is charged for the 3D secure services?
There is no charge for this service.
4. How do I use the 3D Secure?
Just initiate payment for your service be it DSTV or Netflix, and you will be re-directed to another portal where you will get to choose between email or SMS for OTP delivery (Email still the preferred way), from there check email inbox and even spam for the OTP, and enter it. Payment will be processed upon entering correct and valid OTP.
5. Is my 3D Secure PIN the same as the PIN number that I use for the VISA?
No its not the same. OTPs vary per transaction and valid for 10 minutes only
6. What is One-time Password (OTP)?
This is a verification code sent and used each time an online transaction is initiated. It is valid for 10 minutes and varies from transaction to transaction
7. How would I know if a merchant is 3D Secure compliant?
You will be redirected to a platform were you are required to enter OTP for all the merchants which are 3D Secure compliant
8. Can I use the 3D Secure on any computer?
Yes.
9. Do all online transactions require me to key in an OTP?
All online transactions with a 3D Secure enabled merchant require entering an OTP
10. Can I use one OTP for more than one transaction?
No, one OTP is valid for that particular transaction. For another transaction a new OTP will be generated.
11. How long is the OTP valid?
10 minutes
12. What do I do if I do not receive the OTP?
Check email spam folders and if there is no OTP please confirm KYC details with the Bank
13. Is my card still secure if someone else becomes aware of my OTP?
Make sure you are the only who receives OTPs for your online transactions. Should you receive an OTP without initiating a transaction kindly contact the bank as soon as possible.
