What is EMV 3-D Secure?

EMV 3-D Secure is an additional security service for KTC cardholders when shopping or payment online. The service was developed to meet the “EMV 3-D Secure” standard of Visa’s Verified by Visa (VbV), MasterCard’s MasterCard SecureCode (MCSC) and JCB’s J/Secure. Its security mechanism includes verifications of your personal password and personal assurance message in online payment process. The main advantage for cardholders is that there is a decreased risk of other people being able to use their payment cards fraudulently on the Internet. The service is also transmitted using SSL 128-bit standard.

What are benefits from using OTP?

  • Increase the level of security when performing online transaction.
  • Protect yourself from computer viruses or malwares such as Packet Sniffer.

How do I know that my mobile phone is updated and how to update it?

Please contact KTC PHONE 02 123 5000 (24 hours).

How to use OTP for online transaction?

Once you’ve received OTP via SMS/ KTC Mobile Application (OTP is a 6 digits numeric) please enter received OTP in to the provided dialog box on the screen.

How can I receive OTP while travelling abroad?

While travelling abroad you can receive OTP via SMS by inform your mobile operator to use roaming service.

What are benefits from using EMV 3-D Secure?

  • Add a free-of-charge assurance by authenticating you while using your credit card, OTP and Personal Message to make payments online in a EMV 3-D Secure shop.
  • Decrease risk of other people being able to use their payment cards fraudulently on the Internet.

Which card types are included in the EMV 3-D Secure service?

All types of KTC credit cards are applicable, except KTC PROUD cash card.

Can I make an online payment without enrolling to the EMV 3-D Secure?

Yes, you can shop safely across participating online merchants and issuers worldwide—without the need to download software or register an account.

What should I do if spending transaction to the EMV 3-D Secure was failed?

Please contact KTC PHONE 02 123 5000 for assistance.