Frequently Asked Questions
3DSecure
1. What is 3D Secure authentication?
3D Secure is a security feature for authenticating online transactions performed when using Credit/Debit Cards at 3D Secure enabled merchant websites. It provides an additional layer of security and protects cardholders and merchants from unauthorized online transactions.
“MasterCard SecureCode” and “Verified by Visa” are 3D secure authentications powered by MasterCard and Visa respectively.
Customers will be required to authenticate online transactions using a 6-digit One Time Password (OTP) which will be sent by the Bank to the customers’ mobile number or email address registered with the bank, when making purchases or payments at 3D Secure enabled online merchants. The 3D Secure enabled online merchants display the “Verified by Visa” and/or “MasterCard SecureCode” logos on their payment pages.
2. How does it work?
All online transactions performed with your RAKBANK or Amal Card at participating 3D Secure enabled merchant websites will require you to enter a 6-digit OTP in order to complete the transaction. If the merchant is not 3D Secure enabled, you will not be required to enter the 6-digit OTP.
The steps involved in receiving the 6-digit OTP and completing the online transaction are mentioned below:
1. Shop Online at any 3D Secure enabled online merchant site and checkout
2. Enter your RAKBANK or Amal Card details during checkout
3. Select the delivery mode by which you wish to receive the OTP
4. You will receive a 6-digit one-time password (OTP) on your mobile or email address registered with the Bank, depending on mode of delivery selected
5. Enter the OTP in the authentication screen
6. Transaction will be completed after successful verification
After you have entered your OTP correctly, RAKBANK will authenticate all details and following successful verification, the transaction will be authorized.3. How does 3D Secure authentication protect against unauthorized online transactions?
4. Do I need to register for MasterCard SecureCode / Verified by Visa authentication?
5. What happens if I enter the OTP incorrectly?
If the OTP is entered incorrectly, you will be prompted to enter the correct OTP. If you enter the OTP incorrectly 3 times then the transaction cannot be completed. In such case, you will be required to re-start the purchase transaction at the merchant site.
If you have not received the OTP you could request for the OTP to be resent by clicking the “Resend OTP” button on the screen.
6. What is the validity of the OTP?
7. What will happen if the OTP expires before I could complete my transaction?
8. Can I use the same OTP to complete more than one transaction?
9. Will the OTP be shared with the merchant?
10. Is the MasterCard SecureCode / Verified by Visa authentication process applicable for all online transactions?
11. How can I identify participating 3D Secure enabled merchants?
3D Secure enabled online merchants will display the “Verified by Visa” or “MasterCard SecureCode” logos on their payment pages.
12. Do I need to apply for a new RAKBANK or RAKislamic Card to enable the MasterCard SecureCode / Verified by Visa feature?
No. You do not need to apply for a new RAKBANK or RAKislamic Card to use this security feature. The MasterCard SecureCode / Verified by Visa authentication feature is now available on your existing RAKBANK and/or RAKislamic Card.