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Hk main banner secure online shopping otp

Enjoy a peace of mind shopping experience

One-time Password (“OTP”)

OTP is a security feature for online payment transactions. It provides added assurance by authenticating your identity when you make an online transaction with your Standard Chartered Visa card / Mastercard® at designated online merchants carrying the following marks*:

One-time password from Visa and Mastercard

When engaging in such online transactions, an OTP will be sent to the principal/ supplementary cardholder’s valid mobile telephone number via SMS and the OTP must be entered online to complete the transaction. Supplementary cardholders can input the name printed on the supplementary card to send the OTP to their registered mobile telephone number of the instead.

Please note that OTP can only be sent to a valid local mobile telephone number registered in the credit card system of the Bank. If you have not registered a local mobile telephone number, you cannot make online transactions at participating online stores.

*From June 2020 onwards, the authentication process is gradually upgraded to the latest EMV 3-D Secure version  based on the new global payment industry specification.  The service logos provided by Visa card and Mastercard® which are displaying on the OTP servicing page will also be updated accordingly as shown below.

Card-Not-Present (“CNP”) Transactions

To improve the security of transactions that are completed without physical presentation of credit cards, an email or SMS will be sent to you as a notification for such transactions. CNP transactions that may trigger an email or SMS notification include but are not limited to:

.Online transactions
.Mail / telephone orders

Please note that CNP transactions may be declined if you do not have a valid mobile telephone number registered in the credit card system of the Bank.

Maintaining a valid mobile telephone number

A valid mobile telephone number refers to a local Hong Kong 8-digit mobile number, with international mobile telephone numbers excluded. If you would like to update your registered mobile telephone number with the Bank, you may submit your request via the following channels:

1. Download the Change of Contact Information Form for Individual Client and mail it back to the Bank
2. Visit any one of our branches to submit the Change of Contact Information Form for Individual Client


Visa and Mastercard’s new credit card e-commerce tokenization service, makes your credit card account details invisible and protected during the online payment process. The tokenization service allows payments in the online merchants to be processed without exposing actual account details that could potentially be compromised. As part of this service, Standard Chartered strives to bring you the latest and most secure technology for credit card payments, for your peace of mind while shopping. Now, you can experience a seamless and more secure online payment.


OTP is not applicable to cardholders of Standard Chartered UnionPay Dual Currency Platinum Credit Card.

From 12 March 2020, we have updated the Terms of Service. Please click here for the updated Terms of Service.


Terms and conditions