3D Secure3D Secure

3D Secure

3-D Secure is the leading technology aimed at improving online transaction security. It is supported by Visa, MasterCard and American Express.

3-D Secure ensures safe internet transactions through requiring a 6 digit code, from the customer, provided to by SMS or e-Mail. With this service, when you use your Bank Alfalah Credit and Debit Cards on websites that have incorporated the “Verified by Visa”, “American Express SafeKey” or “MasterCard SecureCode” sign, you will receive a One-Time Password (OTP) by SMS or e-Mail on entering the required password will your transaction be processed.

The objective is to provide a safe, secure and seamless online payment experience and ensuring the integrity of the payment process and all parties involved i.e. Card Issuer, Merchant and Customer.



Increased Protection

Customers have complete control of their online transaction by mandatory secondary verification requirement.


Wider Acceptance

Gives customer convenient access to global markets. You can use your card to purchase anywhere in the world.

Convenience Increased

Allows customers to avoid cue for session activation. All cards are automatically provided the 3D Secure technology on ecommerce facility.

Step by Step Process:

Now you can activate your Alfalah Credit & Debit Cards for online transactions backed by 3D Secure technology.

Bank Alfalah Credit and Debit Cards
are now 3D secure

Go to your 3D Secure online merchant

Proceed to Checkout page

Prompt screen will appear

For Credit Cards, One Time Password will be received via SMS and e-Mail. In case of Debit Cards, you will be given an option to receive One Time Password via SMS or e-Mail.

Click Submit and Transaction is Complete

Kindly avoid using non 3D Secure websites. 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.
For activation/deactivation of Ecommerce facility on Credit and Debit Cards, kindly call our helpline 111225111.

Frequently Asked QuestionsRead Questions & Answers related to 3D Secure.
Terms and ConditionsRead Terms & Conditions related to 3D Secure.