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Introducing 3D Secure service for ahlibank Credit Card holders
Enjoy peace of mind when you shop on the internet thanks to the added protection you get from ahlibank’s 3D Secure service. The 3D Secure service enables you to identify yourself when making online payments. This identification process is simple and fast, as well as safe. All you need to do is enter a password when you make a transaction online, just like entering the PIN when you use an ATM.
The 3D Secure service is offered through Verified by Visa. The service aims at protecting you from fraudulent transactions.
This is a value added, protection service offered by Ahli Bank Oman to its card holders through Visa International, which is known as “Verified by Visa”.
This service adds protection against unauthorized use of your card when you shop at participating online merchants. The 3D Secure service lets you use a personal password with your ABO card, giving you an added assurance that only you can use your ABO card to make purchases over the internet. You can use the 3D Secure service as easily as you use your PIN at an ATM.
ABO card holders can enroll by following two methods:
- Standard Enrollment Process: Activation of the card before shopping online
- Activation During Shopping: The card holder is prompted to enroll while shopping online. An unregistered card holder can bypass activation online once. However, on the next attempt to use the card, it will be mandatory to register.
Please visit our website for more details on the enrollment process.
ABO encourages its card holders to register all their cards. There is no limit on how many cards can be registered.
While shopping online on a participating online merchant, the card holder selects the goods and services to be purchased and proceeds to the payment page.
- When the card holder enters his/her registered ABO card number, the online merchant will connect with ABO
- ABO initiates a Verified by Visa pop-up window on the card holder’s computer screen that includes his/her Personal Message
- Card holder must confirm the Personal Message prior to entering the 3D Secure Password. On inputting the correct message, ABO will then confirm the identity to the merchant and the transaction will be completed.
When the card holder correctly enters the Password during a purchase at a participating online merchant, the card holder confirms his identity and the purchase is then authorized and completed.
If an incorrect Password is entered, the transaction will not be completed. The maximum number of attempts permitted to enter the correct password is 3. This protects the card holder from unauthorized transactions on his/her card. Even if someone knows the card number, the transaction cannot be completed without card holder’s Password.
In case the card holder is unable to authenticate himself/herself and exhausts the maximum number of attempts, the card will be blocked for the 3D Secure Service. To unblock the card he / she has to call the contact center at +968 24577177.
The Password will never be revealed to the online merchant as all the authentication is done by ABO. Only an authorization message will be sent back to the merchant.
Most participating merchants will display the Verified by Visa logo on their site. However, even if there’s no logo and merchant is a participant, the card holder will be prompted to provide his/her Password. If the merchant is not a participant for the 3D secure service, the card holder will not be able to transact using this Service.
How will the online merchant know that ABO cardholders need to use a Password to complete the transactions?
On implementation of 3D Secure, ABO will permit online transactions only with the Password being authenticated and only those card holders enrolled for the 3D Secure service will be able to transact. So merchants will automatically recognize ABO’s card number and will prompt to input the Password.
In case the card holder does not remember the Password when shopping online, the card holder is required to click on the “Forgot Password” link and then will be prompted to answer the security questions to validate and allow the service to authenticate his/her identity as the genuine cardholder. After answering correctly, the purchase will be completed.
The card holder should visit the 3D Secure page on the ABO website www.ahlibank.om and click on the “Forgot Your Password” link and follow the instructions accordingly.
The card holders can change their Password at any time by going to 3D Secure Page on the ABO website.
The Personal Message is a short message up to 30 characters that the card holder creates during the Manual Activation process or by updating profile. When card holder shops
online, the card holder must always look for the Personal Message on the screen prior to entering your 3 D Secure Password.
The Personal Message indicates that the card holder is on the secure ABO site. If the Personal Message displayed on the screen is incorrect, the card holder should not enter the 3D Secure Password, instead card holder must contact ABO’s Contact Center at +968 24577177 to report a possible fraudulent attempt.
As the name suggests, an OTP is for a single use only. This is a temporary password that is valid for approximately 15 minutes. In case the card holder does not complete the enrollment process within the stipulated time, the card holder will need to restart the enrollment process again. An OTP will only be sent to the registered mobile number as per ABO’s records. Card holders are requested to update their mobile numbers in case of any change.
Card holder can update the mobile number through the ABO’s IVR system or Internet Banking. If the cardholder is not a registered user of the IVR or internet banking, he / she has to register as soon as possible. All changes to the mobile number will be processed on the next working day.
The OTP will be delivered quickly via SMS on the registered mobile number with ABO.
Card holder does not have to re-register the renewed card since the card number remains the same. Card holder will have to re-register only if the card number has changed due to card replacement / reissue/ upgrade.