Secure Online Transactions
For online purchases with added security through the use of a One Time Password (OTP)
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.
3D Secure is a FREE service facilitated by VISA that lets you transact online securely using your Debit or Credit Card. This service is available only on 3D Secure merchant sites. Verified by Visa (VBV) use password protection during an Internet purchase to authenticate the customer as an added fraud prevention measure.
VBV provides added assurance by verifying you while using your Standard Chartered Visa Card to make payments online. You can be assured that any online merchant giving VBV service is a legitimate commercial entity. A private code means added protection against unauthorised use of your Card when you make payments online.
VBV protects your existing Visa Card giving you assurance that you and only you can use your Visa Card for electronic payments. The added protection of VBV is automatically enabled on your card.
A One-time Password is a password that is valid for only one login session or transaction, on a computer system or other digital devices. OTP is automatically generated via SMS to your mobile/and or Email address for authentication.
No registration is required. This feature will be automatically enabled on your card. Please ensure that you have updated your latest mobile phone number/Email address with us, as the OTP will be sent to the mobile number/and or email address in our records.
Please visit our nearest branch to update your mobile number.
No. This service is free as of now.
Not required, the feature is automatically enabled on all your cards.
Yes. Your card details are encrypted and stored on a secure server
The transaction will fail after 3 attempts of incorrect password, there after you need to re-initiate the transaction
A onetime password is automatically generated to your mobile number/and or email address
The password will expire in 8 minutes upon proceeding to the 3D Secure One Time Password page.
If the merchant is not 3D Secure compliant, you will not be asked for your password. Only 3D Secure merchant sites will ask for a password for authentication purpose.
If a merchant is 3D Secure compliant, you will be able to see the Verified by Visa SecureCode logo on the site.
You will be able to purchase online from merchant websites that do not support 3DS. For 3DS enabled websites, you will not be able to complete a transaction without an OTP.
If there is a change in your mobile number/email address or you have not registered your mobile phone/email address with Standard Chartered, please update your contact details with us by either via online or visiting any of our branches
A OTP is required for all online purchases made through all 3DS enabled merchants. You may still make online purchases from online merchants that do not support 3DS.
Please call Our 24 hour Contact Centre at +977 1 4791800/ 5424198 to request for a reset of the blocked status. Please note that any uplifting of blocked status is subject to the Bank’s verification of your identity.
No, it may be delayed due to circumstances beyond the Bank’s control as it is dependent on your mobile/ email service provider. Please also ensure that your mobile number/email is updated in the Bank’s records in order to receive your OTP from the Bank.
3DS provides an added layer of security by prompting you for a OTP when you make an online purchase. This helps to protect against online fraud by verifying that the customer making the online purchase is the rightful owner of the credit / debit card.
No, the service only uses session cookies, which are filed on your computer temporarily and are automatically deleted when you log out or interrupt the connection.
You can do the following:
Check whether the online merchant is a participant of Verified by Visa SecureCode
Check whether your system blocks pop-ups. If necessary, switch off the software that blocks pop-ups.
Yes, you can. You do no need to install any special software. You can always pay online and always rely on extra protection.
No, the OTP is only required for online merchants that support the 3DS authentication protocol.
The OTP will be sent to the registered mobile number of the supplementary cardholder therefore, it is advisable to update the supplementary card holder’s contact details by visiting our nearest branch.
No. Every 6 digit OTP is valid only for that particular transaction and cannot be used for any other transaction.
One time password (OTP) would be instantly sent to the mobile phone number/and or email address in our records, after you have started the transaction and entered your card details.
If you do not receive the OTP, please check if your mobile number/email address registered with Standard Chartered is correct or not.
If the registered details are correct, you can request for the OTP to be re-sent to you by clicking on the resend link appearing in the below message displayed on the screen. – “you have not received the OTP yet, please click here to request again for your one time password”.
The resent OTP link will be activated 30 seconds after the first OTP is sent.
You can request for an OTP to be re-sent to you three times only per transaction. You may need to reinitiate the transactions should you not receive your password after resending for three times.
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 however the OTP will be sent to your registered email address as an alternate. Please consult your service provider and / or hardware supplier for details.
Your use of the One-time Password (“OTP”) provided by Standard Chartered Bank (Nepal) (“Bank”) is subject to the following Terms and Conditions (“T&C”). Please read the T&C carefully and make sure that you have understood it fully before using the Service.
In this T&C:
1. ACCEPTANCE OF TERMS
5. YOUR CONDUCT
You agree not to:
6. OUR LIABILITY
7. DEALINGS WITH MERCHANTS
8. AGE AND RESPONSIBILITY
9. PROPERTY RIGHTS
10. We reserve the right to cease providing the Service:
11. We reserve the right to begin charging a fee for such Service by giving 30 days prior notice to the Cardholder.
12. Suspension and Termination
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Such links are only provided on our website for the convenience of the Client and Standard Chartered Bank does not control or endorse such websites, and is not responsible for their contents.
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