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3D Secure – HBL DebitCard

HBL MasterCard & Visa DebitCards are now protected by MasterCard SecureCode and Verified by Visa (VBV) using 3D Secure platform for internet-based transactions.

3D Secure is the latest technology supported by MasterCard and Visa, designed to ensure safe internet-based transactions through authentication of each transaction by the cardholder so that you use your card with more confidence. With this service, when you use your HBL DebitCard on websites that have incorporated the "MasterCard SecureCode" or "Verified by Visa" sign, you will receive a One-Time Password (OTP) either by SMS or email as you desire to complete your transaction.

To avail the benefits of 3D Secure, you must ensure that your mobile phone number and/or email address are updated with us. To update these details, please visit your parent branch or call HBL PhoneBanking at 111-111-425.

Benefits of 3D Secure

  • Enhanced Protection
  • Get enhanced protection when shopping on 3D Secure enabled websites as authorisation of payment requires secondary verification via SMS and/or email.

  • International Acceptance
  • Make online purchases from many international websites that prefer 3D Secure enabled cards.

  • Convenience
  • Enjoy hassle-free online shopping. With the introduction of 3D Secure, your HBL DebitCard is automatically enabled for internet-based transactions.

How does 3D Secure work?

Step 1: Shop online at any 3D Secure enabled website

Step 2: Enter your HBL DebitCard details during check-out. The online store will route the information to HBL for verification

Step 3: A window will appear asking you to select a medium (SMS or email or both) to receive a One-Time Password (OTP)

Step 4: As per your selected medium, you will receive an SMS and/or email with the unique 6-digit OTP

Step 5: Enter the 6-digit OTP, select the check-box “Agree to Terms and Conditions” and click “Submit”

Step 6: Upon submission, your transaction will be processed

3D Secure - Frequently Asked Questions

I. General Information

3D Secure service, powered by MasterCard SecureCode and Verified by Visa (VBV), adds an additional layer of security when using your HBL MasterCard & Visa DebitCards for internet-based transactions. It provides you added protection from unauthorised internet-based transactions as you will be required to provide a One-Time Password (OTP), that is sent to your registered mobile number or email address or both, when you make any transaction on 3D Secure enabled websites.

II. OTP Generation and Authentication

An OTP will be valid for 10 minutes, after which the transaction needs to be reinitiated.

III. Purchasing Online

Any compatible browser such as Internet Explorer, Microsoft Edge, Apple Safari, Google Chrome, Opera and Mozilla Firefox. Please ensure that you have enabled pop-up windows in your browser in order to complete your payment with 3D Secure authentication.

IV. Updating Your Contact Information

Please visit your parent branch or call HBL PhoneBanking at 111-111-425.