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Visa 3D Secure

HBL DebitCards are now protected by Verified by Visa (VBV) using 3D Secure platform for internet-based transactions. 3D Secure is the latest technology supported by Visa, designed to ensure safe internet based transactions through authentication of each transaction by the cardholder so that you use your card with more confidence with this service, when you use your HBL Debit card on websites that have incorporated the “Verified by Visa” sign you will receive a One-Time-Password (OTP) either by SMS or email you desire to complete your transaction. To avail the benefits of 3D Secure you must ensure that your mobile number or email address are updated with us. To update these details, please visit any of our branches in UAE.

Benefits of 3D Secure

Enhanced protection
Get enhanced protection when shopping on 3D Secure enabled websites as authorization of payment requires secondary verification via SMS and/or email.

International acceptance​
Make online purchases from many international websites that prefer 3D Secure enabled cards

Enjoy hassle free online shopping and/or payments. With 3D Secure you HBL DebitCard is automatically enable for internet based transactions.

Acceptance on non-3D Secure websites
If you wish to shop or pay on a website which is not 3D Secure you will not receive an OTP however you will still be able to make the payment.

Frequently Asked Questions (FAQs)

3D Secure service, powered by Verified by Visa (VBV), adds an additional layer of security when using your HBL DebitCard for internet-based transactions. It provides you added protection from unauthorized internet-based transactions. With 3D secure, you will be required to provide a One-Time Password (OTP), that is sent to your registered mobile number or email address or both, when you make any transactions on 3D Secure enabled websites.

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HBL SOC 2021.pdf  
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