Register Now
VISA
MasterCard

Enjoy peace of mind when you shop online with 3D Secure service facilitated from VISA and MasterCard that lets you transact online safely using your Credit Card. As a Standard Chartered initiative, 3D Secure enables you to create a password and assign it to your Credit Card, increasing your protection against potential online fraud.

Registering your Card is easy and free, and only requires a one-time registration. Please note that all Standard Chartered Credit Cardholders are required to register their Standard Chartered Credit Cards in order to make online transactions.

 

Make your online payments secure with either of these options
Option 1 Option 2
  1. Visit www.sc.com/id
  2. Create a 3D Secure password
  3. Your online transactions are now secure
  4. Use your password everytime you make an online transaction
  1. Fill your cart with items from your favourite shopping portal
  2. Proceed for payment by entering your Credit Card details and click on 'Buy'
  3. Check for the 'Verified by VISA' & 'MasterCard SecureCode' logos on the payment page
  4. Verify your Credit Card details and create your own 3D Secure password
  5. Proceed to complete your transaction

Your Standard Chartered Credit Card online transactions are now secure.

  • Please note that your password should not be shared with anyone
  • Please use your 3D Secure password every time you make an online transaction with your Standard Chartered Credit Card

VBV-MCS

Frequently Asked Questions on 3D Secure
1. What is 3D Secure?
2. What are the benefits of 3D Secure?
3. How do I register for 3D Secure?
4. Will I be charged for 3D Secure?
5. Once I register, how long does it take for VBV/MSC to become active for my Card?
6. Do I have to register for all my Cards separately?
7. If I am issued a new Card, is there a need for 3D Secure registration?
8. Can I register all types of Cards?
9. While registering, what are the details that I need to enter?
10. Where can I find the CVV/CVC2?
11. Is my personal information safe and secure?
12. I have just received a renewed Card. Do I have to re-register?
13. How do I unlock the account?
14. Can I do a Credit Card transaction without registering for VBV/MSC?
15. What is the Password or SecureCode?
16. Will I need to register each time I do an online transaction?
17. How long is the password valid?
18. How do I change the password?
19. What if I forget the password that I used while registering?
20. While registering, what could be wrong if I am getting a message stating “Registration failed, please contact Standard Chartered Contact Centre”?
21. During the registration process, what could be wrong if I am getting a message stating “The password does not satisfy password policy”?
22. Though I am registered for VBV/MSC, when I did a Credit Card Internet transaction, I was not asked to provide my password.
23. How would I know if the merchant is VBV/MSC compliant?
24. What is the use of PAM (Personal Assurance Message)?
25. How do I get the generic PAM changed to a personalised one?
 
   
1. What is 3D Secure?

3D Secure is a service facilitated by VISA and MasterCard that lets you transact online securely using your Credit Card. 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.

Back to top

2. 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 when you make payments online.

VBV/MSC protects your existing Visa/MasterCard with a password you create, giving you assurance that you and only you can use your Visa/Master Card for electronic payments. The added protection of VBV/MSC is available as soon as the Bank confirms that your registration is successful.

Back to top

3. How do I register for 3D Secure?

3D Secure can be registered using the following methods

1. Through Standard Chartered Bank’s public website at www.sc.com/id
2. The customer can also directly register from a 3D Secure merchant website while doing a transaction online.

Back to top

4. Will I be charged for 3D Secure?

No. This service is free of charge.

Back to top

5. Once I register, how long does it take for VBV/MSC to become active for my Card?

The functionality of VBV/MSC is made available as soon as your registration is successful. You can use your password to log in to any 3D Secure online site to make transactions.

Back to top

6. Do I have to register for all my Cards separately?

Registration needs to be done for all Cards individually. For example, if you have 2 Credit Cards, you would need to register separately for each Card. You can choose to have the same password or different passwords for all your Cards as per your convenience.

Back to top

7. If I am issued a new Card, is there a need for 3D Secure registration?

Yes. You will need to register for your new Card separately.

Back to top

8. Can I register all types of Cards?

Yes, you can register all types of Credit Cards. Cards which are in blocked status alone cannot be registered. For Supplementary Cards, please note that the date of birth that needs to be entered is that of the Primary Cardholder.

Back to top

9. While registering what are the details that I need to enter?

The following Credit Card details are to be entered:

1. Expiry date
2. Primary Cardholder date of birth and
3. CVV/CVC2 (the 3 digit number mentioned on the back of your Card)
4. Credit card limit


Post entering the above details you would be asked to enter the following:

1. Password
2. Confirm password and
3. Personal message

Back to top

10. Where can I find the CVV/CVC2?

The CVV for Visa and the CVC2 for MasterCard is printed at the back of the Card on the signature panel.

Back to top

11. Is my personal information safe and secure?

Yes. Your Card details are encrypted and stored on a secure server.

Back to top

12. I have just received a renewed Card, do I have to re-register?

You do not need to re-register as the Card number remains the same. Only if the Card number changes will you need to register to 3D Secure again.

Back to top

13. How do I unlock the account?

In case your account gets locked, please contact our Contact Centre.

Back to top

14. Can I do a Credit Card transaction without registering for VBV/MSC?

It is mandatory to register for 3D Secure before proceeding with any online transaction. You can directly register from a 3D Secure merchant website while doing a transaction online or through Standard Chartered Bank’s public website at www.sc.com/id

Back to top

15. What is the Password or SecureCode?

When you register for either VBV or MSC, you will be asked to create a password or SecureCode respectively. You are requested to enter your password / SecureCode each time you make an online purchase. For security reasons, please do not use your names, birthdays, ATM/Phone Banking/Personal Internet Banking PIN and/or User ID as your password/SecureCode. Memorise your password. Never write it down or reveal it to anyone.

Back to top

16. Will I need to register each time I do an online transaction?

No, registration is a one-time activity for a particular Card. Once a Card is registered, for all subsequent transactions only the password needs to be provided to authenticate the transaction.

Back to top

17. How long is the password valid?

The password does not expire.

Back to top

18. How do I change the password?

You can go to the “Account Assistant” tab on the “Register Now for Verified by Visa/MasterCard SecureCode” link on www.sc.com/id and change the password.

Back to top

19. What if I forget the password that I used while registering?

Enter the Card number and click on the “Forget your Password” tab on the “Register Now for VBV/MSC” link at www.sc.com/id and reset the same by entering the card number, CVV/CVC2, expiry date, date of birth of primary card holder, credit card limit, and zip code.

Back to top

20. While registering, what could be wrong if I am getting a message stating “Registration failed, please contact Standard Chartered Contact Centre”?

You need to check if the data updated (eg: card number, expiry date, date of birth, credit card limit and CVV/CVC2) is correct. If the correct data has been updated and the same message is still displayed, please contact our Contact Centre.

Back to top

21. During the registration process, what could be wrong if I am getting a message stating “The password does not satisfy password policy”?

Check if the password entered matches the password policy. Password should be a minimum of 6 characters with at least 1 letter and 1 numeric character. eg. Kancil1

Back to top

22. Though I am registered for VBV/MSC, when I did a Credit Card internet transaction, I was not asked to provide my password.

If the merchant is not 3D Secure compliant, you will not be asked for your password, only 3D Secure merchant sites will ask for the 3D Secure password.

Back to top

23. 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.

Back to top

24. What is the use of PAM (Personal Assurance Message)?

When you register for VBV/MSC at www.sc.com/id , you will be asked to create a Personal Assurance message (PAM). This Personal Assurance message will be displayed every time you transact on a 3D Secure merchant site. The merchant site is an authentic site only if the same Personal Assurance message is displayed.

Please note that if you register for 3D Secure during online shopping, a Personal Assurance message will be automatically created for you. We recommend that you change your PAM by visiting www.sc.com/id.

Back to top

25. How do I get the generic PAM changed to a personalised one?

You can go to the “Account Assistant” tab on the “Register Now for VBV/MSC link at www.sc.com/id and change the PAM.

Back to top

 

Back to Top

Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.

Disclaimer

Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.

Proceed