Frequently Asked Questions
      • What is 3D Secure?

        • 3D Secure is a FREE service which is being launched by Ajman Bank that lets you transact online securely using your Credit Card.  3D Secure offers an added layer of verification for extra security when conducting online transactions. You will be required to enter a one-time password (OTP) that will be sent to your registered mobile number, when you make any online transaction on websites that have the ‘VBV – Verified by VISA’ or  MSC- MasterCard SecureCode sign. This service is available only on 3D Secure merchant sites.
        • How does 3D Secure protect me against unauthorized online transactions?

        The 3D Secure feature will require you to enter a one-time password (OTP) which will be sent to your registered mobile number in order to complete your online purchase/transaction.

        What is One-time Password (OTP)?

        A One-time Password is a password that is valid for online transaction, on a computer system or other digital devices. OTP is automatically generated via SMS to your mobile for authentication.

        • How do I register for 3D Secure?

        No registration is required. This feature will be automatically enabled on your card. Please ensure that you have updated your latest mobile phone number with us, as the OTP will be sent to the mobile number in our records.

        • What steps should be followed when conducting an online transaction?
          • When you are using your Ajman Bank Credit Card to conduct an online transaction on any 3D Secure website that has the ‘VBV – Verified by VISA’ or MSC- MasterCard SecureCode   sign, the website will open a new window. It will display Ajman Bank Verified by VISA or    MasterCard SecureCode authentication screen.
          • The transaction details (merchant name, amount, date, last 4 digits of the card number) will be displayed on the authentication screen. Please ensure that the details are accurately filled out.
          • You will then receive a One Time Password on your registered mobile number. Please enter that OTP on the authentication screen, to initiate the authentication process.
          • The card details and the authentication results will then be processed and approval is subject to correct card details, the OTP being entered and the card account having an adequate limit for the transaction made.
          • Once the transaction has been approved, the website will display a payment received acknowledgement.
        • How can I update my mobile number?

          To update your information, please contact your nearest branch

          • Will I be charged for 3D Secure?

          No. This service is free.

          • Is my personal information safe and secure?

          Yes. Your card details are encrypted and stored on a secure server.

          • I have just received a renewal card, do I have to re-register?

          Not required.

          • What happened if I entered the 3D Secure One Time Password incorrectly?

          The transaction will fail after 3 attempts of incorrect password, there after you need to re-initiate the transaction.

          • How long is the password valid for once I receive it?

          The password will expire in 10 minutes upon proceeding to the 3D Secure One Time Password page.

          • How would I know if a merchant is 3D Secure compliant?

          If a merchant is 3D Secure compliant, you will be able to see the Verified by Visa or  MasterCard SecureCode     logo on the site.

          • If I do not have my mobile phone registered with the Bank, can I still make an online purchase?

          You will be able to purchase online from merchant websites that do not support 3DS (3D Secure). For 3DS enabled websites, you will not be able to complete a transaction without an OTP.

          • Can I opt out of the OTP service for online purchases?

          An OTP is required for all online purchases made through all 3DS enabled merchants. You may still make online purchases from online merchants that do not support 3DS.

          • Can the bank resend me the OTP to me due to non-receipt?

          No, it may be delayed due to circumstances beyond the Bank’s control as it is dependent on your mobile service provider. Please also ensure that your mobile number is updated in the Bank’s records in order to receive your OTP from the Bank.

          • What should I do, if a separate window Verified by Visa or MasterCard SecureCode does not appears in the event of an online payment?

          You can do the following:
          • Check whether the online merchant is a participant of Verified by Visa or MasterCard SecureCode   
          • Check whether your system blocks pop-ups. If necessary, switch off the software that blocks pop-ups.

          • Can I use Verified by Visa or MasterCard SecureCode on any computer?

          Yes, you can. You do no need to install any special software. You can always pay online and always rely on extra protection.

          • To whom will the OTP be sent if my supplementary cardholder is performing an online transaction and supplementary card holder’s mobile number is not registered with the Bank?

          The OTP will be sent to the primary card holder’s registered mobile number.

          • Can I use one OTP for more than one transaction?

          No. Every 6 digit OTP is valid only for that particular transaction and cannot be used for any other transaction.

          • What happens if I do not receive the OTP?

          One time password (OTP) would be instantly sent to the mobile phone number in our records, after you have started the transaction and entered your card details.
          If you do not receive the OTP, please check if your mobile number registered with Ajman Bank is correct or not. If the registered details are correct, you can request for the OTP to be re-sent to you by clicking on the resend OTP link.

          The resent OTP link will be activated 30 seconds after the first OTP is sent.

          • How many times can I request for an OTP to be resent to me?

          You can request for an OTP to be re-sent to you three times only per transaction. You may need to reinitiate the transactions should you not receive your password after resending for three times.

          • Can I receive an OTP when I am overseas?

          We will send the OTP according to your mobile phone number in our record. If you are overseas or using overseas mobile service providers, the service provider may not support international SMS. Please consult your service provider.