Visa 3-D Secure FAQ

A. Visa 3-D Secure has been designed to provide you with extra peace of mind when you’re shopping online. It is a password-protected authentication system that confirms your identity as the card holder when your G&C Mutual Bank Visa debit or credit card is used online in unusual or suspicious circumstances. For example, if you’re shopping online while travelling. Learn more about how it works at Visa.

A. When you shop online with a participating merchant and initiate a transaction that appears unusual or suspicious:

• You will be prompted to authenticate the purchase.
• Select to receive the SMS OTP (One Time Password) and click Continue.
• The OTP will be sent to your registered mobile phone by SMS.
• Simply enter the OTP in the Enter Code field and click Submit to complete the transaction.

A. One Time Password (OTP) is a code that is randomly generated by the system to verify a transaction. It can only be used once. The OTP will be sent to your mobile phone as an SMS to provide an extra level of authentication.

A. Visa 3-D Secure helps confirm your identity when you make an online purchase. There’s no need to download anything, install software, or register your G&C Mutual Bank Visa debit or credit card. When you make a purchase online from any of your digital devices, Visa 3-D Secure may guide you through an extra check to verify your identity if your purchase is from a participating merchant and is deemed to be unusual or suspicious. This helps us ensure you’re you and better protects you from fraud. This is one way G&C Mutual Bank and Visa have teamed up to help you shop online securely.

A. With Visa 3-D Secure, you have an additional layer of protection that helps prevent the unauthorised use of your G&C Mutual Bank Visa debit or credit card while shopping online. This service helps us verify that you are the one making the purchase and, most importantly, it protects you from fraud.

A. No. There are no costs associated with this service.

A. Visa 3-D Secure will automatically work at checkout at any of Visa 3-D Secure's participating online merchants. Look for the Visa 3-D Secure badge on merchants’ websites as this indicates that they participate in the service.

Remember, there’s no need to download anything, install software, or register for Visa 3-D Secure to get this added layer of protection. When shopping online with a participating merchant you may be prompted at checkout to verify your identity, but this is to ensure you’re you and protect you from fraud.

A. Yes, your G&C Mutual Bank Visa debit or credit card will continue to work as usual if the merchant is not participating in this program. Your transaction will still be protected by multiple layers of security.

A. Yes! This service was designed for both Visa debit and credit cards when shopping online. When you use your Visa debit card, your online transaction experience will be similar to a credit transaction.

A. When you have finished shopping, proceed to the merchant's checkout page. As you complete the transaction, you may be prompted to verify your identity if additional authentication is required. This extra verification step helps ensure the person using your card is you.

A. You will be prompted to authenticate your purchase by requesting an SMS One Time Password (OTP). On receipt of the OTP, simply enter the code in the relevant field to complete the verification step.

A. If you encounter this extra verification step, Visa 3-D Secure transmits the verification information being shared between the merchant and us. The Visa 3-D Secure logo is there to give you peace of mind that the transmission is secure.