Additional verification for greater peace of mind
Enhances online security without additional software required
Simple and convenient
How it works
When you make an online purchase at the participating 3D Secure merchants, you will be prompted to key in your 15 or 16-digit card number, card expiry date and 4CSC/CVV2.
A One Time Password (OTP) will be sent to your mobile phone number as maintained in our records.
Enter the OTP when the pop-up screen appears.
3D Secure is a security protocol used by banks worldwide to authenticate online card transactions. You can recognise 3D Secure merchants by the Verified by Visa, MasterCard® SecureCodeTM and American Express SafeKey® logos on the online merchant's website.
3D Secure 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 card.
No enrolment is required as all Cardholders are automatically enrolled. Please ensure that you have updated your latest mobile phone number with us as the OTP will be sent to the mobile phone number in our records.
No. The OTP is only required for online merchants that support the 3D Secure authentication protocol.
You will not be able to complete the transaction and will be routed back to the merchant website.
You will not be able to transact at 3D Secure merchant websites without entering the OTP. Hence you are encouraged to update your mobile phone number with us. Simply visit our Branches or download the "Change of Contact Details Form" by visiting here to update your mobile phone number.
For cardholder(s) whose principal and supplementary credit card numbers are currently the same, both cards can transact at 3D Secure merchant websites. The OTP will be sent to the registered mobile phone number of the principal cardholder. For assistance, please contact our 24-hour CitiPhone Banking on 2860 0333.