Verified by VISA
UBL Credit Card Product
VbV is a simple to use service offered by UBL in partnership with VISA and provides a way to PIN-protect your UBL VISA Card usage on the internet.

Verified by Visa

3D Secure One-Time Password (OTP)

Enjoy enhanced security on internet transactions with 3D Secure One-Time Password

Enjoy online shopping with Visa 3D Secure One Time Password (OTP) service, which will provide enhanced security for your online credit card transactions.

3-D One-Time Password (OTP) is a security feature, that will send a special 6-digit password to your registered mobile phone number / Email every time you do an online transaction on a merchant with 3D secure facility. Your transaction is then only processed on a 3D secure merchant upon entering the required OTP sent to your registered mobile phone / Email address, thus enhancing security for your Credit Card from potential Cybercrime.

If you are a UBL Credit Card customer who was previously registered for 3D Secure Password, please note that the password is no longer valid and every online transaction on a 3D secure merchant will now require an OTP sent to your registered mobile number / email.

The steps in more detail:

  • Step 1: Log onto a certified Visa 3D Secure merchant website. Certified merchants can be identified by the logo “Verified by Visa” on the merchant’s website.
  • Step 2: Shop as per your desire and proceed to the checkout page. Please enter relevant data needed by the merchant. Confirm that the data is correct and continue.
  • Step 3: The 3D Secure page will prompt you to enter your One-Time Password (OTP) into the box provided.
  • Step 4: Enter the six digit One-Time Password, as received via SMS to your registered mobile phone number or email address, and then click 'Enter' to proceed.

This will complete your online shopping experience

Kindly avoid using a non 3D Secure Merchant. In case of a non 3D Secure website an OTP will not be generated and the liability for all reversals will reside with the merchant only.


  • Increased Protection: Customers have complete control of their online transactions through mandatory secondary verification requirement.
  • Wider Acceptance: Gives customers convenient access to global markets. You can use your card to purchase from anywhere in the world.
  • Ease of Use: Allows customers to avoid cue for session activation. All Cards are automatically provided the 3-D Secure facility. No registration needed.
Secure Merchant Identification: Easy to identify secure merchants, through a “Verified by Visa” logo.