Faysal Bank Barkat Visa Debit card-Verified by Visa (VbV) FAQs

Learn more about Faysal Bank Barkat Visa Debit card- Verified by Visa (VbV) (herein after referred as “Visa Debit card-Verified by Visa (VbV)”). You can use the links below to jump to specific topics, or scroll discretion down the page to read the full list of questions and answers.

  • About 3D Secured Code
  • Registering for 3D Secured Code Through this Enrollment Site
  • Registering for 3D Secured Code Mid-Purchase Enrollment
  • Shopping with 3D Secured Code
  • Account Management
  • Security and Privacy
  • How to Cancel

About 3D Secured Code

What is Verified by Visa (VbV)?

Visa Debit card- Verified by Visa (VbV)is a new service from Visa Debit Card and Faysal Bank limited that provides added security when you shop online by providing added protection against unauthorized use of your enrolled Faysal Bank Barkat Debit card.

How does Visa Debit card-Verified by Visa (VbV) work?

Once you have enrolled for your 3D secured password, each time you make an online purchase, a pop-up box will appear automatically asking for your Secure Code. When you correctly enter your Secure Code, you confirm being the authorized cardholder and your purchase will only then be completed, where the merchant is also a 3-D Secure. However, if a merchant is not 3-D Secure and any fraud occurs, the liability will be shifted from issuer to acquirer. It is as simple as entering your PIN at the ATM. If the correct code is not entered, your purchase will be declined.

Will Visa Debit card- Verified by Visa (VbV) work on my debit card?

Yes, Visa Debit card- Verified by Visa (VbV) works on your Faysal Bank Barkat Visa Debit Card.

How does Visa Debit card- Verified by Visa (VbV) protect me?

When you correctly enter your Secure Code during an online purchase at a participating merchant, you confirm that you are the authorized cardholder and your purchase is then completed. If the correct Secure Code is not entered, the purchase will not go through. So even if someone knew your card number, they would not be able to use your account at that merchant.

Is Visa Debit card- Verified by Visa (VbV) easy to use?

Yes. When you make an online purchase and enter your Visa debit card payment information, a screen from your card issuer i.e. Faysal Bank will automatically appear and prompt you for your Secure Code. After reviewing the details of your purchase and confirming that your Personal Greeting (see “What is a Personal Greeting?” for more details) is correct, simply enter your Secure Code to complete your purchase.

Will I need to get a new Debit card to use Visa Debit card-Verified by Visa (VbV)?

No, there is no need to get a new Debit card. Visa Debit card- Verified by Visa (VbV) works with your existing Faysal Bank Barkat Visa Debit Card. However, Visa Debit card- Verified by Visa (VbV) service will not function on your ATM card and will only work on your Faysal Bank Barkat Visa Debit Card for online purchases.

What are the system requirements for Visa Debit card- Verified by Visa (VbV)?

Visa Debit card- Verified by Visa (VbV) works with most browsers. You should be sure that Java Script is enabled; if it isn’t 3D Secured Code may not work properly. If you have any difficulty, please contact Faysal Bank Customer Interaction Centre by calling the phone number on the back of your card.

Can I use Visa Debit card- Verified by Visa (VbV) from any computer?

Yes. There’s no special software to install, so you can shop from any computer and still receive the added protection provided by Visa Debit card- Verified by Visa (VbV).

What happens if my card expires or my billing information changes?

Your card issuer i.e. Faysal Bank will automatically update this information in your profile. The only time you need to update your Secure Code profile yourself is when your email address changes or when you want to change your Secure Code.

What happens if I cancel my existing card then get a new one with a different card number from same card issuer i.e. Faysal Bank?

You will need to register the new card for Visa Debit Card-Verified by Visa. Simply return to the registration site, and complete the registration process with your new card. It’s quick and easy.

Registering for 3D Secured Code Through this Enrollment Site

Can two people with a joint account/supplementary cardholders use the same Secure Code or should they register Visa Debit card- Verified by Visa (VbV) separately?

No. You should each register separately and each should create a unique Secure Code, each time you purchase online.

Why do I have to supply personal information during registration?

The information you provide is checked against the information that your card issuer i.e. Faysal Bank already has on file, however, the only personal information stored by Visa Debit card is your e-mail address and your card number. This information, along with the Secure Code and Personal Greeting you create, is all stored on a secure server is never shared with the merchant. We ask for this information as a security precaution to be sure that the person registering is the real cardholder.

Can I use my old NIC number while entering my security details?

No. You have to enter your new 13 digit Computerized NIC number.

What if my card is lost, stolen, damaged or expired?

As soon as you notice your card is lost or stolen, kindly call Faysal Bank Customer Interaction Centre at the phone number listed on the back of your Visa Debit card and has it blocked temporarily. For damaged card(s) or expired card(s) call and request for a replacement card(s). Please make sure you destroy your card by cutting it into two halves along with the chip. In all of the cases above you will have to re-register for a new 3D secure code.

Why do I have to enter all of my personal information again when I enroll a second card?

All of the information you provide is checked against the information that your card issuer i.e. Faysal Bank has on file to be sure the person registering is the actual cardholder. You are asked to enter the information again when you enroll a second card for your own protection. That way, the card issuer i.e. Faysal Bank can be sure the real cardholder is registering the card.

If I supply my e-mail during registration, how will it be used?

In accordance with your issuer’s (Faysal Bank) privacy statement, your e-mail will be used for important service notifications. To check for more details on your issuer’s (Faysal Bank) privacy statement, visit their website and review the policy posted there.

Can I register more than one card at a time so that they all have the same Secured Code?

Each Visa debit card must be separately registered for Secure Code so that it is individually protected. For each account registration, you will be asked to select a Secure Code that complies with your issuer’s requirements. We recommend that you select a Secure Code that will be easy for you to remember, but difficult for others to guess.

Is my 3D Secured Code case sensitive?

Yes, it is sensitive.

What is a Personal Greeting?

The Personal Greeting is a message that you create during registration. Each time you make an online purchase at a participating merchant, a screen prompts you to enter your Secure Code. In this screen, you’ll see your Personal Greeting and other purchase details. The Personal Greeting is your assurance that you are communicating with, and submitting your Secure Code to, your card issuer i.e. Faysal Bank. If the Personal Greeting displayed in the screen is incorrect, you should not enter your Secure Code, but should instead contact your Faysal Bank Customer Interaction Centre immediately by calling the phone number on the back of your enrolled Visa Debit card, to report a possible fraud.

What do I do if I have questions during the registration process?

If you have questions, or need assistance during the registration process, you should contact Faysal Bank Customer Interaction Centre at the phone number listed on the back of your Visa Debit card or on your statement.

How do I bookmark the Welcome Page or Login Page?

Follow the instructions for your browser below.

Netscape: Go to the main menu under Bookmark and select Add Bookmark.

Internet Explorer: Go to the main menu under Favorites and select Add to Favorites.

AOL: Create a favorite place. There are two ways to add a Web address to your list of favorite places. From the Window menu within AOL, choose the Add to Favorite Places command (or click the red heart on the window’s title bar). You can also select the Favorite Places command from the Go To menu within AOL to open the Favorite Places window.

Other Internet Browsers: Kindly follow similar process as stated above to bookmark the website on your favorite website bar.
By bookmarking these pages, you can keep up-to-date on new merchants and special offers.

Will there be a link to Visa Debit card- Verified by Visa (VbV)on my local Faysal Bank Website?

Yes, you will be able to find the link on your local Faysal Bank website at www.faysalbank.com/barkat

Registering for 3D Secured Code Mid-Purchase Enrollment

Why did I get a screen when I haven’t signed up for anything?

Faysal Bank Barkat Visa Debit card- Verified by Visa (VbV) is a new service from Visa Debit card and your card issuer i.e. Faysal Bank that provides added security when you shop online and helps protect against unauthorized use of your enrolled card. Your issuer i.e. Faysal Bank is making it easier for you to register for this added protection by offering you the opportunity to sign up while you’re already online.

My issuer sent me a notice saying my card has been pre-enrolled in Visa Debit card-Verified by Visa. What does that mean?

This means that your card is eligible for Visa Debit Card-Verified by Visa, a new online security service, and that your issuer has already done most of your registration for you. To activate the service and protect against unauthorized use of your pre-enrolled card online, just follow the instructions on the screen that appears during your online purchase.

Who is asking me for this information?

The screen requesting that you enter personal information to verify your identity comes directly from your card issuer i.e. Faysal Bank. The entire Secure Code communication is between you and your card issuer i.e. Faysal Bank, via a secure channel, and the merchant cannot see any of your information.

Is it safe to enter this information? Won’t the merchant see my information?

The communication between you and your issuer is not visible to the merchant and none of your personal information, including your Secure Code, is ever shared with the merchant.

Will I have to keep entering all of my information each time I make an online purchase?

No. Once you have registered for Visa Debit card- Verified by Visa (VbV) the only information you will need to provide to complete your online purchase at a participating merchant is your Secure Code itself.

How do I change my Secure Code?

You can access the Account Management feature by clicking on the Account Management link on the home page. You can then login and change your Secure Code.

What if I forget my Secure Code?

If you forget your Secure Code you should return to this website and click “Register Now” on the main page. You’ll then be able to re-register and create a new Secure Code. If you have any difficulty, you should contact Faysal Bank Customer Interaction Centre by calling the phone number on the back of your card or on your monthly statement.

Shopping with Secure Code

How do I use my Secure Code?

There is no need to login or sign in. When you make a purchase at a participating merchant and enter your Faysal Bank Barkat Visa Debit card payment details, a screen from your card issuer i.e. Faysal Bank will automatically request your Secure Code. After reviewing the details of your purchase and confirming that your Personal Greeting is correct, simply enter your Secure Code to complete your purchase.

How will Secure Code impact my purchase?

Aside from the added protection that Secure Code provides, the only impact to your purchase will be that you will need to type in your Secure Code when the screen appears and then wait a few seconds while your card issuer i.e. Faysal Bank confirms your identity.

Do I have to return to the Secure Code registration site to login before shopping?

No. Visa Debit Card – Verified by Visa (VbV) works automatically at participating merchants. There is no special login required. Simply shop online as you normally do, enter the enrolled card payment information, and when you are at the final step of your purchase on a participating merchant’s site, the Secure Code request screen will appear automatically.

Can I start shopping with my Secure Code as soon as I register?

Yes. You can begin using your Secure Code at participating merchants immediately after completing your registration; no waiting period is necessary.

What should I do if I purchase online but no Secure Code request screen appears?

You should do the following:

  • Make sure you are entering the payment information for your enrolled card and have submitted a final checkout request.
  • Be sure your Internet settings are set to enable Java Script.
  • Contact your Faysal Bank Customer Interaction Centre after double-checking the above items.

 

Can I purchase at merchants that accept Visa Debit card but do not participate in the Visa Debit card- Verified by Visa (VbV) service?

Yes, but you will not be asked for your Secure Code at these merchants. To complete your purchase, simply follow the traditional checkout process.

Can I use my Barkat VisaDebit Card anywhere?

You can use Barkat Visa Debit Card at any merchant that accepts Visa Debit cards. But at merchants that do not participate in the Visa Debit Card- Verified by Visa (VbV) service you will not be asked for your Secure Code and you will simply follow the traditional checkout process. However, you are responsible to ensure that the Barkat Debit Card is only utilized for transactions which are not contrary, offensive or repugnant to the principles of the Islamic Shariah as interpreted by the Shariah Board of the bank, by you or your Supplementary card members or any third party allowed by you to use your Barkat Debit Card.

How will the online merchant know that my card is protected by Visa Debit card- Verified by Visa?

When you use a card you have enrolled in the Visa Debit card- Verified by Visa (VbV) service at participating online merchants, your Faysal Bank Barkat Visa Debit card number is automatically recognized via a Visa Debit card directory.

Will I still receive my SMS alerts against Secure Code transactions?

If you are a registered SMS Alerts user then you will receive an SMS on every purchase you make online with Secure Code.

Can I view a record of my Secure Code purchases?

To view a list of all purchases authenticated with your Secure Code, return to the welcome page, click on the “Account Management” tab and login to view your “Secure Code Transaction History”.

Is my Secure Code case sensitive?

Yes, it is.

What if my Personal Greeting is missing or incorrect?

If the Personal Greeting is missing from the Secure Code screen, or if an incorrect Personal Greeting is displayed, you should not submit your Secure Code, but should instead contact your Faysal Bank Customer Interaction Centre immediately by calling the number on the back of your enrolled card.

What if my spouse and I have different Personal Greetings?

You will see both Personal Greetings displayed in the Secure Code screen; one following the other.

How do I know whether a merchant participates in Secure Code or not?

Participating merchants will display the Visa Debit card- Verified by Visa (VbV) logo on their site.

Account Management

Why do I need to manage my account?

This feature allows you to change your Secure Code or Personal Greeting, if you like. In addition, you can view your Secure Code transaction history, update your e-mail address, or cancel your Secure Code enrollment.

How do I access this feature?

Simply return to the URL where you registered and click on the “Account Management” link on the welcome page. You will be asked to enter your name, card number and Secure Code to login.

What if I’ve forgotten my Secure Code and I am unable to login?

You should return to the enrollment site and click on “Register Now”. You will then be able to re-register for Secure Code and create a new Secure Code. If you have any difficulty, you can contact your Faysal Bank Customer Interaction Centre at the phone number on the back of your enrolled card or on your statement.

Why couldn’t your Faysal Bank Customer Interaction Centre representative tell me my Secure Code?

Your Secure Code is so secure that you are the only person who knows what it is. Your card issuer i.e. Faysal Bank only has an encrypted (that is, scrambled) version of your Secure Code, not the Secure Code itself. The stored encrypted version is matched against the encrypted message sent by your browser to confirm your identity during a transaction. There is no way for a rep to “unscramble” your Secure Code, so you must reset it personally.

How do I change my Secure Code?

Access the Account Management feature by returning to the registration site and clicking on the “Account Management” link on the welcome page. You can then login and change your Secure Code to anything you want as long as it is meets your issuer’s requirements (as shown under the data entry screen) and is different from your Personal Greeting. Click “Update” to save your changes.

How do I change my Personal Greeting?

Access the Account Management feature by returning to the registration site and clicking on the “Account Management” tab on the welcome page. You can then login and change your Personal Greeting to anything you want as long as it is between 1 and 30 characters and is different from your Secure Code. Click “Update” to save your changes.

How do I change my e-mail address?

Access the Account Management feature by returning to the registration site and clicking on the “Account Management” link on the welcome page. You can then login and update your e-mail address. Click “Update” to save your changes.

How can I deactivate the Secure Code feature?

Access the Account Management feature by returning to the registration site and clicking on the “Account Management” link on the welcome page. You can then login to cancel your Secure Code enrollment.

How can I reactivate the Secure Code feature?

Simply return to the registration site and re-enroll. Please note, you will have to create a Secure Code that is different from your original Secure Code, for security reasons.

How far back does my transaction history go?

The available dates are shown in the drop down menu. Select the time period and click on “Display Transactions”. Please keep in mind that the Transaction History shows only those purchases made using your Secure Code and may include purchases that were declined or cancelled after you had already entered your Secure Code.

What is the “Result” column?

A checkmark in this column indicates a successful authentication for this transaction (that is, a correct Secure Code).

Security and Privacy

How does Visa Debit card- Verified by Visa (VbV) protect me?

First you must register and create a Secure Code. Each time you make an online purchase at a participating merchant, a screen will appear automatically asking for your Secure Code, like the bank asks for your PIN at the ATM. When you correctly enter your Secure Code, you confirm that you are the authorized cardholder and your purchase is completed. If the correct code is not supplied, your card issuer i.e. Faysal Bank cannot confirm your identity and so the purchase will not go through.

Aren’t I already protected by zero liability?

If you are a Faysal Bank Barkat Visa Debit cardholder, it has zero liability as one of its features. But even if you already have this protection, Visa Debit card- Verified by Visa (VbV) can help to save you from the hassle of disputing a charge that isn’t yours, saving you time and aggravation. Visa Debit card- Verified by Visa (VbV) helps to prevent unauthorized online use of your account at participating merchants and
provides added protection and peace of mind above and beyond zero liability.

Why do I have to supply my personal information during registration?

The information you provide is checked against the information that your card issuer i.e. Faysal Bank has on file. This is done as a security precaution to be sure that the person registering is the real cardholder. This personal data is not shared with the merchant or any third party.

Why do I have to enter all of my personal information again when I enroll a second card?

You are asked to enter the information again when you enroll a second card for your own protection. All of the information you provide is checked against the information that your card issuer i.e. Faysal Bank has on file for you. That way, the card issuer i.e. Faysal Bank can be sure the real cardholder is registering the card.

Why am I asked to supply my e-mail during registration?

In accordance with your issuer’s privacy policy, your e-mail will be used for important service notifications. To check for more details on your issuer’s privacy policy, visit their website and review the policy posted there.

How will the online merchant know that my Debit card is protected by Visa Debit card Secure Code?

When you use your Faysal Bank Barkat Visa Debit Card you have enrolled in Visa Debit card- Verified by Visa (VbV) at participating online merchants, the merchant does not know that your account is protected until you finish the purchase and confirm your identity to your issuer. At that point, your issuer guarantees your purchase to the merchant, but never shares your Secure Code.

Where can I view Terms and Conditions?

You should visit your card issuer’s (Faysal Bank) website www.faysalbank.com/barkat for the Terms and Conditions specific to your issuer and the type of Faysal Bank Barkat Visa Debit card you have.

Where can I review the privacy statement?

To review your card issuer’s (Faysal Bank) privacy statement, please visit their website www.faysalbank.com/barkat

Will my personal information be used without my permission?

Absolutely not, your information will only be used in accordance with your card issuer’s (Faysal Bank) privacy statement. To review your card issuer’s (Faysal Bank) privacy statement, please visit their website www.faysalbank.com/barkat

Does the service use cookies?

No. The Visa Debit card- Verified by Visa (VbV) service does not use cookies that are stored are your desktop. Instead, the software uses “session cookies” which are temporarily stored on your desktop and then immediately (and automatically) deleted when you go offline.

How to Cancel

How can I cancel my Secure Code enrollment?

To cancel your Secure Code registration login to “Account Management” by clicking on the “Account Management” tab on the welcome page and then logging in and choosing “Cancel Enrollment”. Once you cancel your enrollment, you will no longer receive the screen from your issuer requesting your Secure Code when you make an online purchase. Other than this, your ability to use your Faysal Bank Barkat Debit Card at any Card merchant is the same as before.

Can I later re-enroll?

Yes, simply complete the registration process again and your Secure Code account will be re-activated. However, the new Secure Code you create must be different from your original Secure Code for security reasons.