What is One-Time Password (OTP)?
OTP is a security feature service for online transaction. When you are transacting online where the merchant site requires you to own OTP, it will be sent to your mobile phone via SMS and to your registered email address (e-alerts). You must then enter the OTP to complete the transaction. This service applies only to credit card holders whose mobile phone numbers and email address are registered in the Faysal Bank Limited system.

What are the benefits of OTP?
OTP provides more security as it requires you to go through an authentication process when you are making an online transaction using Faysal Bank MasterCard credit card in a merchant online that has a logo MasterCard SecureCode.

Do I need to register my Faysal Bank credit card to enable me to enjoy this service?
Registration for OTP is not required however; this service applies only to credit card holders whose mobile phone numbers and email address are already registered in the Faysal Bank Limited system.

Is OTP required for all transactions in merchants online?
No, only online merchant who participated and have the logo MasterCard SecureCode that require you to enter the OTP to complete the transactions.

How can I know if I need an OTP to complete my online transaction?
Check for a logo MasterCard SecureCode at the participating online merchant.

Will I be able to enjoy these benefits when transacting online at the merchants that are not connected to this service?
No, however this service is already available in many online merchants.

Which browser do I need to use for 3D Secure?
Any compatible browser such as Internet Explorer, Microsoft Edge, Apple Safari, Google Chrome, Opera and Mozilla Firefox. Please ensure that you have enabled the pop-up windows in your browser in order to complete your payment with 3D Secure authentication.

How will I know if the website is safe to use?
Look for secure transaction symbols when shopping online to ensure your account information is protected. These include a lock symbol usually found on the right or left side of your browser’s address bar and a web address that begins with “https”. Always sign-out of any website after you make a purchase. If you can’t sign-out, close the browser window and clear your browser’s cache and history to prevent unauthorized access to your account information.

Can OTP be sent to all mobile phone numbers or email addresses?
OTP can be sent to both local and international phone numbers and email address already registered in the Faysal Bank Limited system.

If I do not have a mobile phone number that is registered in the Faysal Bank Limited system can I still make transactions online?
No, you will not be able to do transactions online at the merchants that have a sign MasterCard SecureCode. If you want to update your data in the Faysal Bank Limited system, please contact Faysal Bank Contact Centre at (021) 111-06-06-06.

How do I update the data of my mobile phone number and email address?
Please contact Faysal Bank Contact Centre at (021) 111-06-06-06.

For credit card, can my supplementary card holder enjoy this service as well?
If the supplementary card holder owns a mobile phone number or an email address that is already registered in the Faysal Bank Limited system, he/she then will receive SMS and/or e-alert OTP directly on his/her mobile phone number and email address.

What should I do if I have not received the OTP?
OTP is valid only for Faysal Bank credit card holders with mobile phone number and email address registered in the Faysal Bank Limited system. If you do not receive SMS or e-alert of OTP within 30 seconds after you have entered the web page that requires you to enter the OTP, you can click “Resend OTP” to request the resending of the OTP. You can also contact Faysal Bank Contact Centre at (021) 111-06-06-06 to ensure that your mobile number or email address is current and accurate.

What will happen if I have wrongly entered OTP for several times?
You may make 3 attempts to enter your OTP. However, if you still enter the wrong OTP after the third attempt, you will be returned to the merchant’s online transaction page to make a repeat transaction.

How long will OTP be valid? What should I do if I fail to enter my OTP until it expires?
Your OTP is valid only for 5 minutes. If after 5 minutes you still have not entered it, you may then click the “Resend OTP” to ask for the resending of the OTP.

Can I receive the OTP when I am overseas?
Yes, we will send the OTP to your mobile phone number and email address already registered in the Faysal Bank Limited system. When you are overseas and using an overseas mobile service provider, please make sure your mobile phone is able to receive international SMS which also means your mobile phone can receive the OTP