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Hk main banner secure online shopping otp
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

Tokenization

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.

Remarks

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.

FAQs

  • No, only participating online merchants will require you to input a OTP in order to complete transactions classified as high-risk.

  • We will send the OTP according to your mobile phone number in our record. If you are overseas or using overseas mobile service providers, the service provider may not support international SMS. Please consult your service provider and / or hardware supplier for details.

  • Supplementary cardholders can enjoy the same service by inputting the name printed on the supplementary card to send the OTP to their registered mobile telephone number instead.

  • OTP provides added assurance by authenticating you while using your Standard Chartered Visa Card / Mastercard® / American Express when making payments participating online merchants.

  • No registration is required to enjoy this service. However, this service is only applicable to cardholders who have a local mobile telephone number registered with the Bank.

  • No, but the service has become available to more and more online stores now.

  • OTP is only applicable to the Cardholder with a valid Hong Kong mobile phone number registered with the credit card system of the Bank. If you do not receive your OTP within 30 seconds after submitting your request, you may click “Resend OTP” to request for another one. You should also check if your mobile phone number registered with the credit card system of the Bank is updated.

  • You will not be allowed to click “Resend OTP” to request for another one if you have input a wrong OTP for a few times. Please restart the entire online purchase transaction again.

  • The OTP is only valid for a certain period after it is issued. You can click “Resend OTP” to request for another OTP if the OTP has expired.

  • No, customer is not required to have any special registration as the process is between merchant and card issuers only.

  • E-commerce tokenization service will not impact to customer because tokenization is the process between online merchant and Visa or Mastercard. The online transaction procedures will remain unchanged, customer is required to key in the credit card details including account number, name and expiry date as showed in online merchant website.

  • Please quote your credit number for refund; refund should be arranged in the same credit card number.

  • During the online transactions, for your security, VISA or Mastercard will replace your credit card number with a unique token number when you choose to save your card with a online merchant. Customer can enjoy a safe way to shop online.

  • Each credit card will be mapped with a unique token number. If the card information has been deleted from the online merchant website, then the token may be deactivated by the merchant. Also, If there is a new credit card info shared by customer to merchant, then the old token will be deactivated and a new token will be created.

  • E-commerce tokenization service will not impact to customer because tokenization is the process between online merchant and Visa or Mastercard. Thus, this is invisible to customer.

  • You do not need the token number, your card will work seamlessly across multiple different devices and merchants each.

Terms and conditions