^FAQ Frequently Asked Questions (FAQ)

3D Secure™ is a security feature in association with Visa and MasterCard for credit card and debit card transactions that are performed online.

It provides additional protection and confidence while shopping online. You will be required to provide a one-time password (OTP) that is sent to your registered mobile number and email address when you make any online transactions on websites that have the ‘Verified by Visa’ or  ‘MasterCard Secure Code’ sign.

3D Secure™ feature protects you against unauthorized online transactions as you will be required to enter a one-time password that will be sent to both your mobile number and the email address on ADCB’s records before you can complete the online transaction. This additional authorization step ensures that only you as the cardholder will have the password required to complete the transaction.

No, the 3D Secure™ feature is available across all debit cards and credit cards issued by ADCB.

• When you are transacting online with your ADCB Bank credit card or debit card on any 3D Secure™ websites that have the 'Verified by Visa' or 'MasterCard Secure Code' sign, the website will open a new window. It will display an ADCB Verified by VISA (VBV)/MasterCard® SecureCode authentication screen. You may need to permit pop-up windows in your web-browser.
• The transaction details (merchant name, amount, date, last 4 digits of the card number) will be displayed on the VBV/SecureCode authentication screen. Please ensure that the details are accurate.
• Please enter the 6 digit OTP sent to your mobile number and email address on the VBV/SecureCode authentication screen, to initiate the authentication process. The mobile number and email address we hold on record at ADCB will be used.
• The card details and the authentication results will be processed by our system and subject to correct card details and OTP being entered and the card account having adequate limit, the transaction will be approved.
• On transaction approval, the website will display a payment received acknowledgement.

The OTP provides additional protection. This additional authorization step ensures that only you as the cardholder will have the password required to complete the transaction.

No, you will be asked to enter the OTP only if the website supports VISA/MasterCard® cards for online transactions and supports the Verified by VISA (VBV) or MasterCard® SecureCode (SC) authentication protocol. Support for VBV or MasterCard® SecureCode is usually indicated by the following image on the website: 

For websites that have not enabled the 3D Secure™ feature, you will not be required to go through the one-time password authentication process for your online transactions.

No registration is required. The first successful online transaction will enroll the cardholder to utilize the Online Authentication Service.

No, the OTP is mandatory for authentication at websites that accept VISA/MasterCard® cards and support the Verified by VISA/MasterCard® SecureCode protocol.

As your mobile phone number and email address will be the primary contact for ADCB to send you an OTP, please ensure that your new details are updated with us at your earliest convenience.

You may call the ADCB Contact Centre and on verification of your identity, ADCB can update your mobile number / email address.

Yes, you can start using the card immediately after ADCB confirms your details have been updated successfully.

If the website supports VBV/MasterCard® SecureCode authentication protocol, our system will automatically send you the OTP for authentication at the payment stage. However, if the overseas website does not support VBV/MasterCard® SecureCode authentication, the online transaction will be processed without requiring the OTP for authentication. If the online transaction is prohibited as per existing regulations or is considered as high risk by ADCB, such transactions may be declined.

No, your One Time Password (OTP) can be used for a single transaction only and is valid for 10 minutes.

Should the wrong OTP be entered three times successively, the session will be blocked.

The OTP will be sent to your mobile number and email address on ADCB’s records as soon as the online transaction request is received by the bank from the merchant’s website; however, due to network issues there could be a delay in receipt of the OTP via SMS and/or email. To factor this, the OTP sent to your mobile number and email address is valid for 10 minutes. In the event that you do not receive the OTP, there will be a “Resend OTP” link provided in the ADCB Verified by VISA/Mastercard® SecureCode authentication screen. Clicking the link will generate a further OTP which will again be valid for 10 minutes. This option can be availed only once.

No, the extra security is provided absolutely free.

For online transactions requiring authentication, the OTP will be sent to the mobile number of the Supplementary cardholder provided the supplementary cardholder’s contact details are registered and available on ADCB records. In case the supplementary details are not updated, the OTP shall be sent to the Primary Cardholder.

Primary cardholders can now register the supplementary cardholders mobile and / or email address either though the ADCB Contact Centre or through ADCB Personal Internet Banking. Primary cardholders will need to log in to ADCB Personal Internet Banking, and select “Supplementary Card Services”, under “Other Services” on the left hand panel.

If there is no change in your mobile number or email address, you can continue using the OTP authentication for online transactions even after the card has been replaced as lost/stolen or on upgrade/renewal.

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