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Online shopping purchase protection 3D Secure – OTP

Enjoy online shopping with ease and secure using your Visa (Credit & Debit) cards from Housing Bank with 3D Secure – OTP service. You will automatically receive SMS with one-time password when shopping from any website registered in this service, your transaction will not be proceed unless you enter the one time password delivered to your registered mobile number, to insure better protection for your online purchases.

Easy and secure steps

To securely complete your online shopping, simply follow the below steps

 1- When completing a purchase, enter your card details on the desired website (should be registered in this service)

 2- You will be directed to the Housing Bank verification page, where the OTP will be requested

 3- At this moment, you will receive the OTP on your registered mobile number

 4- Accept the terms and conditions

 5- Enter your OTP and click on submit


Frequently asked questions

  • How can I enroll in the OTP 3DSecure?

All Housing Bank Visa (Credit & Debit) card holders will be automatically registered in this service.

  • What if I do not receive the OTP when requested?

In case you do not receive the OTP within 120 seconds, you can request another OTP by pressing the (Resend) button as per the below:


After receiving your OTP which was requested a second time, you will receive the below message:


  • What should I do if I do not receive the OTP after several requests?

If you do not receive the OTP after three attempts, you will receive the below message. In this case please ontact our Call Center (ISKAN 24/7) at : +96265200400 , or the toll free number 080022111 to ensure your mobile number is registered with us


  • What should I do if I enter an incorrect OTP?

If entering an incorrect OTP, you will see the below screen. You should then make sure of the OTP and re-enter it.


You can also cancel the operation by clicking on the (Cancel) button. You will then see the below screen:


Note: To benefit from this service, your card must be active, and active on online purchases and the merchant website should be registered in 3D Secure Service.