3D Secure credit card feature.

3D Secure One-Time Password (OTP) is an enhancement to the current 3D Secure structure. This will enable the option to create and send an OTP for you, the customer, to validate if the purchase is legitimate or not. You will get a pop-up screen indicating that the OTP has been sent to your registered email address, in order to confirm the transaction. This will avoid you  having to call the number on the back of the card if a transaction is declined.

Your transactions are completed as a typical online purchase. You will notice a pop-up screen that appears, when the system confirms the OTP has been sent to your email (registered in the Bank's system), after which you'll need to enter the password sent within 5 minutes of receiving, to authenticate the transaction.

It's possible that you're not able to complete your online purchase due to the time that has passed between the purchase and entering the OTP sent to your email. Your OTP is only valid for 5 minutes.

You may enter the OTP on the initial prompt and then re-try up to 3 more times for a maximum of 4 attempts, before authentication failure. A Block Screen will be shown, but you will be able to close the transaction and try again.

The merchant may prompt you to provide another payment method or send the transaction for authorization. You will see a failed authentication screen with a support number to contact the Bank for assistance.

This does not affect all your online credit card purchases. Currently, 3D Secure is only required by some merchants when using your credit/ debit card online.

This feature is available to all customers who have a registered email address in their profile. However, it may not apply to call customers unless the OTP is requested by the merchant.

You may call the Contact Centre and advise of your online transaction. 

You can update your personal information when you sign in to Scotia OnLine Banking. You may also visit a branch or call the Contact Centre to update your information.

You may find more information here:

• Mastercard SecureCode FAQs: https://www.mastercard.co.in//faq/securecode.html

• Verified by Visa FAQs: https://usa.visa.com/pay-with-visa/featured-technologies/verified-by-visa.html

• Amex Safekey FAQs: https://www.americanexpress.com/mx/benefits/safekey/faqs.html