How 3D Secure works?
3D Secure is an advance security protocol designed to ensure safe internet-based transactions through authentication of each transaction by the cardholder so that you can use your card with more confidence and additive security features.
AKBL PayPak Debit Card is now using 3D Secure platform of internet-based transactions which will allow you to conduct retail/purchase transactions anywhere within Pakistan in a convenient and secure way. AKBL PayPak debit card is Pakistan’s first and the only domestic payment scheme (DPS) powered by -1link.
How 3D Secure works?
- Step 1: Shop online at any 3D Secure-enabled website.
- Step 2: Enter your AKBL PayPak Card details such as card number, card expiry, CVC and billing information of your Card during checkout. The online store will route the information to the PayPak page.
- Step 3: The fourth page, will show Paypak logo and Askari Bank’s name & logo. Select the mode of OTP from the given options i.e., SMS and press continue.
- Step 4: You will receive (OTP) One Time Password on your Mobile number registered with Askari Bank. To confirm, press next, select the check-box “Agree to Terms and Conditions” and click “Submit”.
- Step 5: Upon submission, your transaction will be processed. And you will receive confirmation SMS at your mobile number registered with Askari Bank.
Benefits
- Superior Security / Protection: Get enhanced protection with 3D Secure when shopping on 3D Secure enabled websites as authorization of payment requires secondary verification via SMS.
- Convenience: Enjoy uninterrupted online shopping.
Acceptance of Terms
AKBL shall provide 3D Secure Service to you, which may require to use third party service providers to operate the service or part of it on our behalf, subject to the following Terms and Conditions governing the card transactions for which 3D Secure Service is used.
- You agree that use of 3D Secure Service shall represent your acceptance of these Terms and Conditions, and that continued use of 3D Secure Service after revisions to these Terms and Conditions shall constitute your agreement to such revised terms and any applicable posted guidelines or rules.
- Unless explicitly stated otherwise, any new features that augment, enhance or otherwise change 3D Secure Service shall be subject to this Terms and Conditions.
- AKBL reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, 3D Secure Service or any part thereof with or without notice when considered necessary or advisable to do so, for example, to protect you when there is a suspected breach of security.
- AKBL reserves the right to change these T&Cs and fees relating to the Service, if any, at any time, and you agree to be bound by all changes made.
- The OTP will be sent on mobile number or email address registered with the Bank.
- All 3D Secure Service Websites shall have a “3D Secure”, “PayPak” logo Logo appearing on that website. In case a non 3D secure website is used to perform an online transaction, an OTP will not be generated and the liability for all reversals will reside with the merchant. Therefore, using non 3D secure websites should be avoided.
- AKBL is indemnified against any and all actions, proceedings, liabilities, claims, losses, damages, costs and expenses incurred or sustained by AKBL in relation to or arising as a result of action of internet session.
Internet Access:
In order to use AKBL 3D Secure service, you must have the ability to access the Internet and must pay any service fees associated with such access. In addition, you must have the equipment necessary to make such a connection to the Internet, including a computer and modem or other relevant device.
- You must register a valid mobile phone number and/or e-mail address to use AKBL 3D Secure service. You must ensure that, mobile phone number and/or e-mail address registered in AKBL system is your most up-to-date number and/or email address before using AKBL 3D Secure service.
- In case your changed mobile phone number and/or e-mail are not updated, AKBL shall not be responsible for failure to provide the AKBL 3D Secure service and/or any loss caused to you.
- By selecting the channel of One Time Password (“OTP”) communication, you hereby authorize AKBL to send the six (06) digit OTP at your registered mobile number and/or email address.
Use of 3D Secure Service:
- Every time you make a payment online on 3D Secure enabled merchant website, you shall receive an OTP via SMS on your registered mobile number or email address.
- If incorrect OTP is entered by you, the merchant may reject the transaction, for which AKBL will not be liable in any manner whatsoever.
- You hereby understand and unconditionally agree to a lag between card activation / mobile number update and being able to use 3D Secure Service is not in our control, and further agree to absolutely keep and hold us harmless and indemnified in this regard.
- The mobile number or email address used for sending OTP should be as per the details provided by you in your application/request, and/or as may be updated by you, from time to time.
- If at any time revealed that, your mobile number, email address and additional information are incomplete or incorrect and/ or suspected to be incorrect, AKBL shall have the right to terminate, suspend or refuse your current or future use of the 3D Secure Service.
Registration:
- To utilize 3D Secure facility and activate the e-commerce transactions service, please contact our 24/7 Call Center (+92 21 or 51)111-000-787
- To use 3D Secure service, you shall register a valid mobile number and email address before using 3D Secure facility. In case of non-registered mobile number or email address, AKBL shall not be responsible for the failure to provide 3D Secure Service and/or any loss caused to you.
- By selecting the channel of One Time Password (OTP) communication, you hereby authorize AKBL to send the OTP at your registered mobile number or email address.
Your Conduct:
Your conduct is to agree NOT to:
- Impersonate any person or entity using 3D Secure Service:
- Upload, post, email or otherwise transmit any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment used by 3D Secure Service.
- Spam or flood the 3D Secure Service or website
- Modify, adapt, sub-license, translate, sell, reverse engineer, decompile or disassemble any portion of the 3D Secure Service or Website or software.
- Remove any copyright, trademark, or other proprietary rights notices contained in 3D Secure Service;
- “Frame” or “mirror” any part of the 3D Secure Service or Website without Payment Scheme prior written authorization;
- Use any robot, spider, site search/retrieval application, or other manual or automatic device or process to retrieve, index, “data mine,” or in any way reproduce or circumvent the navigational structure or presentation of the 3D Secure Service or Website or its contents;
- Otherwise interfere with, or disrupt, 3D Secure Service or servers or networks connected to 3D Secure Service, or violate this Terms and Conditions or any requirements, procedures, policies or regulations of 3D Secure Service or of any networks connected to 3D Secure Service;
- Intentionally or unintentionally violate any applicable local, state, national or international statute, regulation, regulatory guideline or judicial or administrative interpretation, or any rule or requirement established by
- Payment Scheme (all of which shall constitute “Applicable Law”) in connection with your use of 3D Secure
- Service; OR
- Use 3D Secure Service to perform or to share in any activity engaged with money laundering or terrorism financing.
Liability:
- Under no circumstances will AKBL be liable for consequential, incidental, special or indirect losses or other damages, such as, but not limited to, any damage to your computer or telephone service resulting from your use of 3D Secure Service.
- AKBL assume no responsibility for, and will not be liable for, any damages to, or any viruses which may affect, your computer equipment or other property on account of your access to, use of, or downloading from 3D Secure Website.
- You shall be liable to indemnify us for all claims, losses and consequences which we may suffer or that may arise as a result of your breach of any of your obligations under these Terms and Conditions.
Disclaimer of Warranties:
- You expressly understand and agree that any software obtained through the use of 3D Secure Service is downloaded and used at your own discretion and risk and that except as otherwise provided in this Terms and Conditions, you shall be solely responsible for any damage to your computer system or loss of data that results from the download or use of any such software or other materials through 3D Secure Service.
- Except as otherwise required by any applicable law, we make no representations or warranties about 3D Secure Service of any kind, express or implied, including any warranties as to merchantability or fitness for a particular purpose.
Jurisdiction and Governing Law:
The 3D Secure Service and these Terms and Conditions shall be construed and governed in accordance with the laws of the jurisdiction where the AKBL branch that issued your AKBL Debit Card is located. You submit to the exclusive jurisdiction of the courts of the said jurisdiction where the AKBL debit Card issuing branch is located, to resolve all disputes arising hereunder. However, we solely will have the option to initiate any legal action/proceedings against you in any other jurisdiction, if required.
Guidelines for safe internet/online 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 software’s (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.
- Few of the most popular browsers are Google Chrome, Microsoft Edge and Mozilla 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. 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.
- Keep your passwords secret. Some online stores may require you to register with them via username and password before buying, avoid saving passwords, usernames and debit card details on browser. 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, bus stations, airports and all public places as they are relatively insecure and information can easily be intercepted by persons with malicious intent.
- Do not share your Debit card secure credentials (PIN, OTP, CVC, Card Number etc.) for online E-commerce purchases. Fraudsters may contact you pretending to be from delivery/services like Daraz, Pakistan Post, FBR, PTA, FIA etc. asking for these details or even a small amount payment against any pending shipments.
- Do not click on any unknown link shared through SMS, Emails, Social media apps etc., if you receive a message claiming that your item/parcel cannot be delivered due to an incomplete address or other reasons, do not respond.
Frequently Asked Questions
3D Secure Service adds an additional layer of security when you use your Askari PayPak Debit Card for internet-based transactions. It provides you added protection from unauthorized internet-based transactions as it requires you to provide a One Time Password (OTP) that is sent to your registered mobile numbe when you make any transactions on 3D Secure enabled websites.
- What is One Time Password (OTP)?
One Time Password (OTP) is a 06-digit online verification code sent to your registered mobile number to process & complete an internet-based transaction.
- Which Askari Bank Debit Cards are 3D Secure Enabled?
The 3D Secure Service is available on all Askari PayPak Debit Cards.
- Can I perform Internet Based Transactions on websites which are Non 3D Secure Enabled?
Yes, you can perform transactions on Non 3D Secure websites. However, for non 3DS enable website you will not go through the OTP authentication process.
- How much will I be charged for the 3D Secure service?
There is no charge for 3D Secure Service.
- How do I register for 3D Secure?
Registration is not required for 3D Secure. All Askari debit Cardholders who have registered their mobile numbers & email address and have active internet session with Askari Bank can avail this facility. Therefore, ensure that your mobile number & email address is updated in Askari Bank system.
- Do I need to call Askari Call Centre to activate the e-Commerce facility on my Askari debit Card?
Yes, you are required to activate internet session by calling the AKBL helpline. If you wish to deactivate, you can do so by calling Askari Bank’s Help Line 111-000-787.
OTP Generation and Authentication:
- Will I receive an OTP for all my Internet-Based transaction?
You will receive an OTP for internet-based transaction on 3D Secure enabled websites. However, for non 3DS enable website you will not go through the OTP authentication process.
- What should I do if I do not receive my OTP?
In case One Time Password (OTP) is not received, the transaction just needs to be cancelled and re-initiated.
- What happens if I have entered an invalid OTP?
Your transaction will be cancelled and you will have to re-initiate the transaction with a new OTP.
- What should I do if I receive an OTP for a transaction not performed by me?
Immediately call AKBL Help Line at 111-000-787 to block your Debit Card.
- If my mobile phone is on roaming while I am abroad, will I receive an OTP for internet-based transactions?
Yes, you will receive an OTP via SMS & email address. However, you may incur roaming charges (if any) from your mobile service provider.
- Can I provide a temporary phone number to receive my OTP if my Askari Bank’s registered phone number is not available?
An OTP via SMS will only be sent to your mobile number registered with AKBL. You can update your international mobile number by sending request through your email address already registered with Askari Bank. Transaction SMS will not be received on international mobile number
Online Purchases:
- Which Internet Browsers do I need to use for 3D Secure?
Any compatible web browser such as Internet explorer, Google Chrome, Microsoft Edge, Opera, Mozilla Firefox and Apple Safari 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.
- How will I know if the website is safe to use?
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. 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 PayPak secure logo “Logo” on the merchant’s website.
- How can I differentiate normal internet-based transactions from those made on a 3D Secure enabled website?
PayPak 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 Paypak3D Secure Logo on payment form.
- Will I be notified once the transaction is processed?
If you have subscribed for SMS alerts, you will be notified via SMS, once the transaction is processed.
- What should I do if I suspect that information on my AKBL PayPak debit card is compromised or has been used to make fraudulent purchases?
Please call Askari Bank’s 24/7 helpline at 111-000-787 immediately and report the same.
- If I make a transaction on a non 3ds website, will my AKBL PayPak debit card data get compromised?
In order to ensure safety, you must use your debit card online with great caution and only use your debit card on a reliable website. Askari Bank is monitoring your transactions and ensures that a fraudulent attempt is blocked as soon as it is identified.
Updating Contact Information:
- How can I have my mobile number changed or updated?
You can call Askari Bank’s 24/7 helpline at 111-000-787 (from your Askari Bank registered phone number) to update your mobile number.
- How can I activate internet session on Askari Paypak Debit Card?
Basic debit Cardholders can request to activate internet session at any time by simply calling helpline at 111-000-787 from their phone number registered with Askari Bank.
