A more secure online shopping experience just for you!
From now on, there will be no up-front registration when shopping online at a 3D Secure merchant and you don’t have to remember your username and password anymore.
This means every time you shop online on a websites that have incorporated the 'Verified by Visa' or 'MasterCard Secure Code' sign, a One-Time-Password (OTP) will be sent to your registered mobile number with Riyad Bank which you should use to complete your online transaction. This way your Riyad Bank Credit Card is protected against online fraud and your online shopping experience is safer than ever.
Online shopping safety tips:
Online shopping is quick, easy, and convenient – however, there are still some safety factors that need to be considered when using your Riyad Bank Credit Card to make these purchases.
Only place an order with your Riyad Bank Credit Card on trusted websites that are verified as secure sites (look for the lock image on the toolbar)
On the Web page where you enter your credit card or other personal information, look for encrypted web address of that page - it should read: ‘https://’. The encryption is a security measure that scrambles your data as it is entered
Ensure that the website is authentic and secure by finding out what other shoppers say. Some websites such as epinions.com and bizrate.com have customer evaluations, which can help you determine a company's legitimacy
Do not send emails that contain personal information such as your card number and expiry date
Use good quality antivirus software
Frequently Asked Questions
What is a One Time Password (OTP)?
A One Time Password (OTP) is a 4 digit dynamic password (4 numbers) that you will now receive via SMS to your registered mobile phone number every time you make a purchase at a 3D Secure participating merchant’s website using your Riyad Bank Credit Card.
It has been designed to give you added security and peace of mind every time you shop online at any participating 3D secure merchant’s website.
I have an existing username and password for online transactions. Will I still receive this new OTP?
Your existing static username and password is no longer valid. You will now receive an OTP which replaces your current static password. The One Time password will be sent to you via SMS every time you purchase online at any participating 3D Secure merchant's website.
Can I opt to continue to use the existing username and password instead of receiving the OTP?
No. The existing static username and password is no longer valid and the new dynamic OTP will be sent to you every time you purchase online from any participating 3D Secure merchant's website.
How will the OTP work when I am shopping online at a participating 3D Secure merchant?
Add your Answer here !
Shop online and proceed to the checkout
Input your 16 digit Riyad Bank Credit Card number, Name as it appears on the Riyad Bank Credit Card, Expiry date and CCV number when prompted
You will then be asked for an OTP which you will receive via SMS on your registered mobile number
Enter the OTP in the pop additional screen
Transaction is completed – Riyad Bank will then send an authorisation to the merchant and your transaction will be completed
This process is fully protected and invisible to the online merchant.
How will I benefit from the 3D-Secure OTP?
There’ll be no need for registration and activation up-front
There’ll be no need to remember a username and password
There’ll be no need to phone to unblock 3D Secure passwords
It reduces the risk of your 3D Secure password being compromised or phished
It provides additional level of protection when shopping online
Can I receive an OTP through an e-mail?
No. This is to ensure safety of the data. If for any particular reason you are unable to receive the OTP click on “Can’t receive OTP” and you will be asked to authenticate yourself.
What is Resend OTP?
In case you haven't received the OTP then you may choose to resend the OTP to continue using this functionality. However, please wait for a minute or 2 before using this option.
What is the registered mobile number?
The registered mobile number is your mobile number you gave to Riyad Bank to contact you on which is linked to your Riyad Bank Credit Card and/or Account.
How do I update my mobile phone number?
You can update your mobile phone number by calling the Riyad Bank Call Centre on 8001242225 or by visiting any Riyad Bank Branch.
How long is the OTP valid?
Please note that the OTP is valid only for 10 minutes. After that you will be directed to start your transaction and check out process again.
What if I enter wrong OTP?
You are allowed a maximum of 3 OTP attempts after which your card will be blocked. To unblock your card, you have to complete the Validation Elements on the “Can’t receive OTP” screen.
Will I receive an OTP for all my online purchases?
No, you will only receive a One Time Password for every online purchase from any participating 3D secure merchants.
How will I differentiate between a normal online merchant and a 3D Secure merchant?
You will see the logos of “MasterCard SecureCode” or “Verified by Visa” as follows when you are performing the online transaction.
If my mobile phone is on roaming mode while I am abroad, will I receive an OTP for online transactions made then. Do I need to pay for the SMS charges?
Yes, you will receive an OTP via SMS at Riyad Bank’s cost for all local charges but not the roaming charges.
What If I do not receive my OTP?
If you did not receive your OTP, you may click on “Can’t receive OTP ” button on the authenticate user screen to complete your shopping manually.
What happens if I entered invalid OTP up to 3 times?
A web message will pop up to inform you that your online purchase is blocked due to maximum attempts for invalid OTP. Please click on “Can’t receive OTP ” button on the authenticate user screen to unblock your card and continue and complete your shopping manually otherwise contact the Riyad Bank Call Centre on 8001242225 for assistance.
What should I do if I receive an SMS of an OTP when I have not shopped online?
Please contact the Riyad Bank Call Centre at 8001242225 or the number located at the back of your Riyad Bank Credit Card to block your card immediately.