Frequently Asked Questions on 3D Secured
Top Bar
Malaysia
clear Main
Online Shopping
 

Frequently Asked Questions on 3D Secured

 
1. What is 3D Secured?
2. What are the benefits of 3D Secured?
3. How do I register for 3D Secured?
4. Will I be charged for 3D Secured?
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 Secured 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 secured?
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 Debit 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 Debit 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 Secured?

3D Secured is a service facilitated by VISA and MasterCard that lets you transact online securely using your Debit Card. This service is available only on 3D Secured 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 Secured?

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 Debit 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 Secured?

3D Secured can be registered using the following methods

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

Back to top

   
4. Will I be charged for 3D Secured?

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 Secured 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 Debit 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 Secured 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 Debit Cards. Cards which are in blocked status alone cannot be registered.

Back to top

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

For Debit Cards, the following details are to be entered:

1. Expiry date
2. CVV/CVC2 (the 3 digit number mentioned on the back of your Card)
4. ATM PIN

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

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

You will have 6 attempts to key in the correct details failing which the account will be locked.

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 secured?

Yes. Your Card details are encrypted and stored on a secured 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 Secured 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 Debit Card transaction without registering for VBV/MSC?

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

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. You will have 3 attempts to key in the correct password / SecureCode.

Thereafter, you will be prompted to reset your password / SecureCode.

For Debit Cards, you are required to enter the Expiry Date, CVV/CVC2 for Debit Cards, ATM PIN and Account Number which the Debit Card is linked to.

You will have 3 attempts to key in the correct details failing which the account will be locked.

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. Memorize 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 https://www.sc.com/my and change the password. You will have 6 attempts to key in the correct password failing which the account will be locked.

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 https://www.sc.com/my and reset the same by entering:

For Debit Cards, you are required to enter the Expiry Date, CVV/CVC2 for Debit Cards, ATM PIN and the account number which the Debit Card is linked to.

You will have 6 attempts to key in the correct details failing which the account will be locked.

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: for Debit Cards – Card Number, Expiry Date, CVV/CVC2 and ATM PIN) is correct.

You will have 6 attempts to key in the correct details failing which the account will be locked. 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 alphabet and at least 1 numeric character. eg. Kancil1

Back to top

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

If the merchant is not 3D Secured compliant, you will not be asked for your password, only 3D Secured merchant sites will ask for the 3D Secured 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 https://www.sc.com/my, 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 Secured 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 Secured during online shopping, a Personal Assurance message will be automatically created for you. We recommend that you change your PAM by visiting https://www.sc.com/my.

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 https://www.sc.com/my and change the PAM.

Back to top

   

 

 
DebitCard
Verified by visa Clear Mastercard SC
SCB Logo
 

Terms & Conditions | Data Protection & Privacy Policy
Copyright © 2008 Standard Chartered Bank

Terms & Conditions