Frequently Asked Questions on 3D Secured

What is 3D Secure?

3D Secure is a service facilitated by VISA and Mastercard that lets you transact online securely using your Debit and 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.

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 Debit/Credit Card when you make payments online.


VBV/MSC protects your existing Visa/Mastercard with an OTP sent to your registered mobile number with the bank, giving you assurance that you and only you can use your Visa/Mastercard for electronic payments. The added protection of VBV/MSC is available as soon as your mobile number is successfully registered with the Bank.

How do I register for 3D Secure OTP?

No. You do not need to register for this service as it is made available to all customers who have registered their mobile number with the bank. It includes Supplementary Credit Cardholders who have registered their mobile.

Will I be charged for 3D Secure OTP service?
No. This service is free of charge.
If I am issued a new Card, is there a need for 3D Secure registration?

No. You do not need to register for this service as it is made available to all customers who have registered their mobile number with the bank. The above said service includes Supplementary Credit Cardholders who have registered their mobile number with the bank.

When performing the online transaction, what are the details that I need to enter?

It depends on the merchant but generally the information needed would be some of the following (merchant may request for more/ less info):

1. Card Number
2. Expiry Date
3. CVV/CVC2 (the 3 digits mentioned on the back of your Card)
4. Name on Card

Once the above is entered, you will be directed to a 3D secure page where One-Time Password (OTP) will be triggered and sent to your registered mobile number. You will need to enter the correct 3D Secure OTP to complete the transaction.

How can I update my mobile number?

Credit Card Principal Cardholder & Debit Cardholder
You may call us at 03-7711 8888 and our Client Care Executives will be assisting to update your mobile number. Alternatively, you may walk in to any Standard Chartered Branch to update your mobile number.



Credit Card Supplementary Cardholder
You or your Principal Cardholder may call us at 03-7711 8888 and our Client Care Executives will assist to update your mobile number. Alternatively, you may walk in to any Standard Chartered Branch to update your mobile number.

Do note that the mobile number update applies to all products holding of the Supplementary Cardholders.

Is my personal information safe and secured?
Yes. Your card details are encrypted and stored on a secured server
Will my account lock after certain tries of invalid 3D Secure OTP?
No, your account will not be locked but the transaction will be deemed as unsuccessful after 3 tries of invalid 3D Secure OTP.
How long is the validity of the 3D Secure OTP?
The 3D Secure OTP is valid for 4 minutes. After 4 minutes, the 3D Secure OTP will expire and you may request to send a new 3D Secure OTP by clicking “Resend OTP” on the webpage.
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.
Will I receive any notification for my successful transactions?

Credit Card Principal Cardholder & Debit Cardholder
Yes. You will be receiving a notification informing the successful transaction performed by you and your Supplementary Cardholder and the transacted amount.


Credit Card Supplementary Cardholder
No. You will not be receiving any notification for your successful transaction. The successful transaction notification will be sent to your Principal Cardholder.

I do not want to receive 3D Secure OTP. Can this be disabled?
We are not able to disable the sending of 3D Secure OTP as this is an added protection against unauthorised use of your Debit/Credit Card when you make payments online.
I am a Supplementary Credit Card. Will I be able to receive 3D Secure OTP?
Yes. Effective 16 Oct 2018, we have enhanced our system to allow Supplementary Credit Cardholder to receive 3D Secure OTP on his/her registered mobile number with the bank.

To register Supplementary Credit Cardholder’s mobile number:
Supplementary Credit Cardholder or the Principal Credit Cardholder may contact our Client Care Centre at 03-7711 8888 or visit our nearest branch to update the mobile number.