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Ke verified by visa

Shop online confidently with enhanced security on your debit or credit card

Security is good

You can now confidently use your Standard Chartered Debit or Credit Card for online purchases with added security through the use of a One Time Password (OTP).

Key benefits

Now you can use your Standard Chartered Debit or Credit Card for online purchases in a safe and secure manner.
Transactions done on websites enabled for Verified by Visa will not be authorised without entering the One-Time Password (OTP) sent to your mobile number and email account in our records. As a result, instances of fraudulent usage on your Debit Card and Credit on these websites will be minimised considerably.


How does it work?

This new feature offers enhanced security through an additional SMS/email authentication process when you pay online with your Standard Chartered Debit or Credit Card on websites that have the ‘Verified by Visa’ sign. This ensures that only you as the cardholder will be able to complete the online purchase.

Step 1 Shop online
Step 2 Enter your Standard Chartered Debit or Credit Card details during checkout
Step 3 Receive a one-time password (OTP) on your mobile and email account
Step 4 Enter the one-time password (OTP) on the screen
Step 5 Transaction completed
  • In case you do not receive your One Time Password (OTP), please call us on +254 020 329 3900 / +254 703 093 900 to update your mobile number and/or email address.
  • Please ensure that you have enabled pop-up windows in your browser as you will be required to enter the OTP on a pop-up window on the payment page.
  • Your card will continue to work on all websites, however the One Time Password only be required for websites with the ‘Verified by Visa’ sign.


  • OTP is a “One-Time Password” which is randomly generated and sent to your registered mobile number and registered email address for validation of your transaction. This is to provide an enhanced level of security on card transactions. The OTP will be sent to your registered mobile number and registered email address within 2 minutes.

  • The registered mobile number is a local mobile number which is linked to your Standard Chartered Bank Kenya account. The last 4 digits of your registered mobile number will be shown to you on the authentication page when the OTP is sent. If you have not registered your mobile number and/or your email address with Standard Chartered Bank Kenya, please contact the Standard Chartered Bank Kenya 24 Hour Call Centre on +254 329 3900 / +254 722 203666 / +254 732 143900.

  • Please contact Standard Chartered Bank Kenya or visit the nearest Standard Chartered Bank Kenya branch.

  • It is an additional security layer adding one more step to your online purchasing process when paying using your Standard Chartered Card for verifying your identity as the cardholder.

  • It protects you against unauthorized transactions when shopping online since the transaction will be authorized only when you key in your “One Time Password” (OTP).

  • You will be able to see the Verified by Visa logo on the merchant website.

  • The service is free for Standard Chartered Visa Cardholders.

  • No, Verified By Visa/3D Secure Service will protect the card which you are currently using.

  • No, there is no need for any registration. All that you need to do is make sure that you have a valid registered mobile number and/or a valid email address registered with Standard Chartered Bank Kenya so that you can get the “One Time Password” (OTP) required to perform the transaction.

  • Yes, supplementary cardholders can benefit from this service. The “One Time Password” (OTP) will be sent to the Primary Cardholder’s registered mobile number and email address.

  • The service is available for your Standard Chartered Visa Card now and it will work with all Verified By Visa/3D Secure online merchants.

  • No, but a large number of big shopping websites are providing this service and the number is increasing every day.

    1. When you want to buy something online, usually, you will be asked to enter your basic credit card details (cardholder name), card number, card expiry date, CVV/CVC code, & mailing address) and submit these details.
    2. Thereafter a pop up window will appear requesting you to enter your “One Time Password” (OTP). The “One Time Password” (OTP) will be sent to your registered mobile number and email address prior to any online purchase.
    3. Once you submit the “One Time Password” (OTP), the transaction will be sent for authorization and the merchant website will display a response to you
  • No, Verified By Visa/3D Secure password is a “One Time Password” (OTP) that is generated every time you transact online and is not the same password that you use with your Standard Chartered Card when performing a point-of-sale (POS) based transaction or cash withdrawal from an ATM.

  • In case you have not received the OTP, you may choose to resend the OTP to continue using this functionality. However, please wait for 2-3 minutes before using this option. The Resend option is only available once.

  • Yes, you can but when shopping with online merchants which are not Verified By Visa/3D Secure yet, we recommend the following:

    1. Shop with retailers which are reputable and reliable
    2. Keep a record of your online transactions e.g. bill receipt, order number, etc…
    3. Read the merchant’s terms carefully before submitting the purchase request
    4. Read carefully the delivery arrangements, cost, tax, and other information related to the product you intend to buy
    5. Make sure that the website is secured.
    6. Use the latest version of your internet browser and make sure that your computer’s operating system is up to date
  • If you need any help, please contact the Standard Chartered Bank Kenya – 24-hour Call Centre on +254 329 3900 / +254 722 203666 / +254 732 143900.

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