3D Secure
Card Products

3D Secure

Added Security.

Secure your online transactions on UBL VISA & Mastercard Debit Cards

At UBL, we are constantly working towards bringing added security measures to make your banking experience safer than ever. With our new added security feature, we bring you our Debit Cards with enhanced safety online. This service offers added online protection while shopping with most of the leading online merchants that incorporate the 'Verified by Visa' or 'MasterCard Secure Code' sign.

No need of Internet session activation on your UBL Debit Card anymore on all 3D Secure websites.

Choose UBL Debit Cards to minimize fraud risk and help secure your online transactions, every time.


  • Additional verification for greater peace of mind
  • Enhances online security without additional software required
  • Simple and convenient

How it Works

Step 1

When you make an online purchase at the participating 3D Secure merchant, you will be prompted to key in your 16-digit card number, card expiry date and security code (CVV2) for some merchants.

Step 2

You have to choose the method of SMS or email present in UBL records to receive an OTP.

Step 3

A One-Time Password (OTP) will be sent to your mobile phone number or email as maintained in our records.

Step 4

Enter the OTP when the screen appears

Step 5

Click Submit and Transaction is Complete. In case a non 3D Secure website is used an OTP will not be generated and the liability for all reversals will reside with the merchant.