3D Secure Service for Askari Debit & Credit Cards

Overview

Askari Bank always strive to provide the best services to our customers and as part of continuous commitment to safeguard your online transactions through your Askari Debit & Credit Cards, our cards are now secured & protected by 3D Secure Services. Following Askari Cards are powered by 3D Secure Services.

Askari VISA Debit Cards (Classic, Gold and Platinum )
Askari PayPak Debit Cards (Classic & Gold)
Askari Mastercard Credit Cards (Classic, Gold, Platinum, World & Corporate)

3D Secure technology (Verified by Visa, Mastercard & PayPak SecureCode) has been introduced as an extra layer of security for Visa, MasterCard & PayPak. 3D Secure tightens the security of online transactions to help protect against the unauthorised use of Debit and Credit Cards on the Internet.With this service, you can use your Askari Cards on 3D Secure websites (e-commerce/online transactions) which have incorporated the

MasterCard SecureCode mastercard sign or
Verified by VISA Verifiedbyvisa sign or
PayPak SecureCode paypak sign,

For Askari Mastercard credit cards you will receive a One Time Password (OTP) by SMS & email, on your registered mobile number & email address that would be required to complete your transaction.

For Askari debit cards (VISA & PayPak) you will receive a One Time Password (OTP) by SMS, on your registered mobile number that would be required to complete your transaction.

This will add an extra layer of security while you shop online.

To avail the benefits of 3D Secure, call Askari Bank’s 24/7 Helpline to enrol for SMS alerts with updated contact information i.e. mobile number.

Benefits

Superior Security / Protection	Global Acceptance	Convenience
Get enhanced protection with 3D Secure when shopping on 3D Secure enabled websites as authorization of payment requires secondary verification via SMS.	Make online purchases from any international websites that favour 3D Secure enabled cards.	Enjoy undisturbed online shopping. With the introduction of 3D Secure, your Askari MasterCard Credit Card will automatically be enabled for internet-based transactions.

How 3D Secure Works:

Step 1:

Shop online at any 3D Secure enabled website.

Step 2:

Enter your Askari Debit / Credit Card details such as card number, card expiry and CVC of your AKBL Card during checkout.

Step 3:

The third page, Identity Check Confirmation, will show “SecureCode” logo of VISA or Mastercard or PayPak and Askari Bank’s name & logo. To confirm, press next, select the check-box “Agree to Terms and Conditions” and click “Submit”.

Step 4:

You will receive (OTP) One Time Password on your Mobile number & email address registered with Askari Bank.

Step 5:

Upon submission, your transaction will be processed and you will receive confirmation SMS at your mobile number registered with Askari Bank.

Frequently Asked Questions

3D Secure Service, adds an additional layer of security when you use your Askari Debit & Credit Cards for internet-based transactions. It provides you added protection from unauthorised internet-based transactions as it requires you to provide a One Time Password (OTP) that is sent to your registered mobile number & email address when you make any transactions on 3D Secure enabled websites.

One Time Password (OTP) is a 06 digit online verification code sent to your registered mobile number & email address to process & complete an internet-based transaction.

The 3D Secure Service is available on all Askari Debit & Credit Cards (i.e. VISA Debit Cards, PayPak Debit cards and Mastercard Credit Cards).

For Askari Mastercard Credit Cards & Askari VISA Debit Cards, you can perform transactions on Non 3D Secure websites. However, for non 3DS enable website you will not go through the OTP authentication process.
For Askari PayPAK Debit Cards, you can only perform domestic transactions on 3D Secure websites where the PayPak Secures Codes will be available.

There are no charges for 3D Secure Service.

Registration is not required for 3D Secure. All Askari Debit & Credit Cardholders who have registered their mobile numbers & email address with Askari Bank can avail this facility. However, Basic Credit Cardholder needs to be enrolled for SMS alerts service in order to conduct a 3D Secure enabled internet-based transaction. Therefore, ensure that your mobile number & email address is updated in Askari Bank system.OTP will be received on registered mobile number & email address for Askari Mastercard Credit Card only. For Debit Cards (VISA & PayPak) OTP will be received on registered mobile number only.

For Askari Mastercard Credit cards, you are already enrolled for 3D Secure services. If you wish to deactivate, you can do so by calling Askari Bank’s Help Line 111-000-787. With 3D Secure you will be able to conduct internet-based transactions without calling Askari Bank helpline for session based e-commerce activation.
For Askari Debit Cards, you are already enrolled for 3D Secure Services but you have to activate online session to use your Debit Card by calling AKBL 24/7 helpline 111000787.

An OTP stays valid for 10 minutes from the time of generation after which it expires. In case OTP expires, the transaction will need to be reinitiated.

You will receive an OTP for internet-based transaction on 3D Secure enabled websites. However, only Askari Mastercard Credit Cards & Askari VISA Debit Cards can be used for non 3DS enable website and you will not go through the OTP authentication process

In case One Time Password (OTP) is not received, the transaction just needs to be cancelled and re-initiated.

Your transaction will be cancelled and you will have to reinitiate the transaction and complete it with a new OTP.

Immediately call Askari Bank Help Line at 111-000-787 to block your Askari Debit or Credit Card.

Yes, you will receive an OTP via SMS & email address. However, you may incur roaming charges (if any) from your mobile service provider.OTP will be received on registered mobile number & email address for Askari Mastercard Credit Card only. For Debit Cards (VISA & PayPak) OTP will be received on registered mobile number only.

An OTP via SMS will only be sent to your mobile number registered with Askari Bank. You can update your international mobile number for Askari Mastercard Credit Card by sending request through your email address already registered with Askari Bank. However, Transaction SMS will not be received on international mobile number.
For updating of Mobile number against your Askari Debit Cards (VISA & PayPak) you have to visit your nearest AKBL Branch.

Yes, your supplementary cardholder will receive an OTP on his/her mobile number & email address registered with Askari Bank.

Any compatible and authentic web browser such as Internet explorer, Google Chrome, Microsoft Edge, Opera, Mozilla Firefox and Apple Safari etc. can be used for 3D Secure transactions.
Please ensure that you have enabled pop-up windows in your browser in order to complete your payment with 3D Secure transactions.

Look for secure transaction symbols 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 of any website after you make a purchase or completed transaction. If you can’t sign out, close the browser window and clear your browser’s cache and history to prevent unauthorized access to your account information. Certified merchants can be identified by the 3D secure logo on the merchant’s website.

“VISA / Mastercard / PayPak SecureCode” 3D secure logo will be displayed if you are performing an internet-based transaction on a 3D Secure enabled website. On a non 3D Secure transaction you will not receive an OTP and you will not get 3D Secure Logo on payment form. Only Askari Mastercard Credit cards & Askari VISA Debit Cards can be eligible for Non 3DS websites,

If you have subscribed for SMS alerts, you will be notified via SMS, once the transaction is processed. Supplementary cardholder’s transaction shall be notified to Basic Cardholder on his/her mobile number registered with Askari bank.

Please call Askari Bank’s 24/7 helpline at 111-000-787 immediately and report the same.

Yes you may raise a dispute by calling the 24/7 call center at 111000787.

In order to ensure safety you must use your credit card online with great caution and only use your credit card on a reliable websites. Askari Bank is monitoring your transactions and ensures that a fraudulent attempt is blocked as soon as it is identified.

Once it is established through our investigation that a fraudulent transaction did infact occur and the dispute was raised timely. We will be assisting you with your refund.

For Askari Mastercard Credit Cards you can call Askari Bank’s 24/7 helpline at 111-000-787 (from your already registered number) to update your new mobile number.For updating of Mobile number against your Askari Debit Cards (VISA & PayPak) you have to visit your nearest AKBL Branch.

You can request to enrol for SMS alerts facility at any time by simply calling helpline at 111-000-787 from their phone number registered with Askari Bank.

Safe Internet Transactions

Please be aware of possible internet frauds and luring traps of hackers.
Keep software updated (operating system and browsers) because malicious hackers can find vulnerabilities in softwares (windows and browsers). Please ensure that operating and browser software’s are kept up-to-date using legitimate upgrades and patches issued by the legitimate software vendors.
Ensure that your computer has up-to-date anti-virus software and firewall installed. Firewalls can monitor both incoming and outgoing internet traffic and anti-virus will protect your computer against Trojan and Worm attacks.
Make sure that your browser is set to the highest level of security notification and monitoring. The safety options are not always activated by default when you install softwares on your computer.
The most popular browsers i.e. Microsoft Edge, Chrome and Firefox. Check that you are using a recent version. You can usually download the latest version from these browsers’ websites.
Only shop at secure websites. Ensure that the security icon, the locked padlock or unbroken key symbol, is appearing in the bottom right of your browser window before you send your card details.
The beginning of the retailer’s internet address will change from ‘http’ to ‘https’ when a purchase is made using a secure connection.
Use sites you can trust, for example, the sites you know or that have been recommended to you by a trusted entity or that carry the Trust logo.
Click on the security icon to ensure that the retailer has a valid encryption certificate. The address on this certificate should conform to the address on the address bar. The certificate should ensure the identity of the website and the current date should be within the validity dates of the certificate.
Keep your personal information safe. Always be wary of emails asking you to click on a link or confirm your personal details. Reputable retailers, banks etc. would never ask you to disclose or confirm sensitive personal or security information, including your PIN /OTP. When in doubt, call the organization.
Avoid signing up for junk mail. This may result in pre-filled application forms being sent to an address long after you have moved out.
Print out your order and keep copies of the retailer’s terms and conditions return policy, delivery conditions, postal address (not a post office box) and phone number (not a mobile number). There may be additional charges such as local taxes and postage, particularly if you are purchasing from abroad. When buying from overseas remember that it may be difficult to seek redress if problems arise, but having all the aforementioned information will help us address your case if you subsequently have any difficulties.
Ensure you are fully aware of any payment commitments you are entering into, whether you are instructing a single payment or a series of payments.
In case, you pay your utility bills using virtual banking facility, ensure that username, customer ID and the amount billed are exactly the same as the bill sent to you by your company. The transaction receipt may be saved on the hard disk and may be printed as well. It can be referred to 16 in case of a mismatch with the internet transaction history or already paid bill may reappear in the next billing cycle.
If you have any doubts about giving your card details, use another method of payment.
If you regularly make transactions over the internet for business purpose, consider opening a separate Askari Corporate Credit Card Account specifically for business related transactions.
Keep your passwords secret. Some online stores may require you to register with them via username and password before buying. Online passwords should be kept secret from outside parties in the same way you protect your card PIN. Keep the login information safe and secret.
Never send payment information via email. Information that travels over the internet (such as email) is not fully protected from being read by outside parties. The most reputable merchant sites use encryption technologies that will protect your private data from being accessed by others as you conduct an online transaction.
Never click on hyperlinks within emails. If you are sure that the company is genuine then directly type in the URL in the internet browser address bar, or call the company on a contact number previously verified or known to be genuine.
Do not let websites or merchants store your card information. The exchange of encrypted transactions is more secure than allowing your card information to be stored on some website.
Do not make online transactions using public computers. Public computers might have ‘keyloggers’ (programs that record what you are typing) and other spyware to retrieve sensitive information.
Avoid making online transactions in ‘Wi-Fi’ wireless spots present in restaurants, coffee shops, malls etc. as they are relatively insecure and information can easily be intercepted by persons with malicious intent.

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Contact Center 051-111-000-787

Last Updated: 24 June, 2026

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