HBL UnionPay Online Payment (UPOP) SecurePay
HBL UnionPay DebitCards are now protected by UPOP using UPOP SecurePay interface for internet-based transactions.
UPOP SecurePay is the latest technology supported by UPOP, designed to ensure safe and secure 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 UnionPay DebitCard on websites that have incorporated the UPI SecurePay, you will receive a One-Time Password (OTP) through SMS to complete your transaction.
To avail the beneﬁts of UPOP SecurePay, please 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 UPOP
Enhanced Protection - Get enhanced protection when shopping on UPOP securePay enabled websites as authorisation of payment requires secondary veriﬁcation via SMS
International Acceptance - Make online purchases from international websites that prefer UPOP enabled cards.
Convenience - Enjoy hassle-free online shopping. With the introduction of UPOP, your HBL UnionPay DebitCard is automatically enabled for internet-based transactions.
How does UPOP SecurePay work?
Step 1 - Select the goods or services you want to purchase from the merchant websites and proceed to the payment page
Step 2 - You will be asked to select payment mode. If UnionPay is selected, you will be forwarded to UnionPay Online Payments (UPOP) hosted payment page
Step 3 - You will be required to enter the UnionPay DebitCard number, payment information and registered mobile number and click submit
Step 4 - Upon successful validation, you will receive a 6-digit Dynamic Verification Code
Step 5 - You will enter the expiry date, CVN (3-digit code printed on the back of the UnionPay DebitCard) and the Dynamic Verification Code on the UnionPay Online Payments (UPOP) hosted payment page
Step 6 – Upon successful transaction you will see the response on the e-Commerce website and will also get SMS from HBL on your registered mobile number
UPOP SecurePay – FAQs
I. General Information
UPOP (UnionPay Online Payment is a security feature for internet-based UnionPay DebitCard transactions. It protects you 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, when you make any transactions on UPOP SecurePay enabled websites.
The UPOP securePay service is available on all HBL UnionPay DebitCards.
“NO FEE” will be charged for the UPOP SecurePay service provided by HBL.
Registration is not required for UPOP. All HBL UnionPayDebitCards customers with a mobile number and/or email address registered with HBL can avail this facility.
No, with UPOP you will be able to conduct internet-based transactions without calling HBL PhoneBanking for session-based e-commerce activation.
II. OTP Generation and Authentication
An OTP will be valid for 10 minutes, after which the transaction needs to be reinitiated.
You will only receive an OTP for internet-based transactions on UPOP securePay enabled websites. For non-UPOP (Unauthenticated) enabled websites, you will not go through the OTP authentication process.
If you do not receive your OTP, you may click the “Resend OTP” button on the authentication screen to request a resend.
You have three attempts to enter the correct OTP. After three incorrect attempts, your transaction will be cancelled, and you will need to reinitiate the transaction with a new OTP.
Please call HBL PhoneBanking at 111-111-425 immediately to block your HBL UnionPay DebitCard
Yes, you will receive an OTP via SMS. However, you may incur roaming charges (if any) from your mobile service provider
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 UPOP authentication or Non authentication.
A: Look for UnionPay logo when shopping online to ensure your account information is protected. These include a lock symbol usually found on the right or left side of your browser’s address bar and a web address that begins with “https”.
Always sign out from any website after you make a purchase. If you cannot sign out, close the browser window and clear your browser’s cache and history to prevent unauthorised access to your account information
UnionPay logo will be displayed if you are performing an internet-based transaction on a UPOP SecurePay enabled website
You will be notiﬁed by SMS if your transaction is successful.
Please call HBL PhoneBanking at 111-111-425 immediately and report the same
If the merchant website is international or uses an international payment processor, you may be charged a fee as per our prevailing Schedule of Bank Charges. Please refer to www.hbl.com/hbldebitcard for more details. Furthermore, the currency exchange rate used will be the wholesale exchange rate of UnionPay prevailing at the time of the transaction.
IV. Updating Your Contact Information
Please visit your parent branch or call HBL PhoneBanking at 111-111-425