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For greater security in your online transactions

3D Secure service from HSBC

With the new upgraded service, Verified by Visa / MasterCard SecureCode®, you can make your OnLine purchases with all Visa and MasterCard debit and credit cards from HSBC easily, quickly and safely.

Simple, fast, effective.

From now on, you will be able to effect your online transactions simply by entering the one-time code you receive via SMS on your mobile phone that you have declared to the Bank without having to remember complex usernames and passwords.

HSBC 3D Secure
Verified by Visa / MasterCard SecureCode® Service

Frequently asked questions

What is the Verified by Visa / MasterCard SecureCode® Service?

As the security of your card is one of our primary concerns, HSBC introduces the highest level of security to ensure that online transactions are safe. The Verified by Visa / MasterCard SecureCode® Service is an online service provided in collaboration with Visa and MasterCard and covers all credit and debit cards issued by HSBC for electronic transactions. The Verified by Visa / MasterCard SecureCode® Service protects you from unauthorized electronic transactions, as each time that you effect an online transaction you will need to enter a One-Time Password (OTP) that will be sent to the mobile phone that is registered in the bank’s system for the specific card for transactions in online stores with the 'Verified by Visa' and / or 'Master SecureCode®' sign.

Why should I use the Verified by Visa / MasterCard SecureCode® Service and how does it help me?

The Verified by Visa / MasterCard SecureCode® Service protects you against unauthorized electronic transactions, as each time that you perform an online transaction, you will need to enter a One-Time Password (OTP) that will be sent to the mobile phone that is registered in our system for the specific card from HSBC, for transactions effected in associated online stores with the 'Verified by Visa' and / or 'MasterCard SecureCode®' sign. This additional stage ensures that only you, the legitimate cardholder, has the right to complete the transaction and that no transaction can be made without your approval in the associated 'Verified by Visa' and / or 'MasterCard SecureCode®' online stores.

How does Verified by Visa / MasterCard SecureCode® Service function?

The Verified by Visa / MasterCard SecureCode® Service provides enhanced security through the additional identification process that takes place with the dispatch of an SMS message when you effect electronic transactions with your Credit or Debit card from HSBC in online stores with the 'Verified by Visa' and / or 'MasterCard SecureCode' sign. This process ensures that only you as the legitimate cardholder (Credit or Debit Card) can complete the online transaction. The process is simple.

  • Make purchases at any online store with the 'Verified by Visa' and / or 'MasterCard SecureCode®' trademarks.
  • Enter your HSBC card details to pay for the goods / services.
  • You will receive an SMS with a One-Time Password (OTP) at the mobile phone number you have declared for your card.
  • Enter the OTP in the special screen.
  • Your transaction will be processed.

The above process is fully protected and inaccessible from the online store.

Should I register in the Verified by Visa / MasterCard SecureCode® Service?

All cards of the bank for which the cardholder has declared a valid mobile phone number are pre-registered in the service. Pre-registration is effected only during the first transaction, provided you accept the Terms and Conditions of the Service.

Is there a fee for using the Verified by Visa / MasterCard SecureCode® Service?

The Verified by Visa / MasterCard SecureCode® Service is provided for free and acts as a complementary security level for the cards of HSBC.

Can I make a purchase using any computer? Is the installation of a special software required?

You do not need to install any special software to have the extra control available when you execute your online transactions.
When you effect transactions in an associated online store using cards from HSBC you will be asked to enter the 6-digit One-Time Password (OTP) to complete your transaction. Please remember to allow pop-ups in your computer's browser, as you may not be able to complete your payment in a secure environment on some webpages that require the activation of pop-up windows.

How can I change my mobile number?

If you wish to change your mobile phone number for the Verified by Visa / MasterCard SecureCode® Service, you should visit one of our branches or call us at 801 11 72000 (if you are calling from a mobile or abroad) or at +30 210 696 2070 (if you are calling from landline) having in your possession the passwords of the Phone Banking Service from HSBC.

What is the possibility of One-Time Password (OTP) resend?

In case you do not receive a One-Time Password (OTP) during a transaction, you can request for a new one. However, please wait 2-3 minutes before doing so. Please note that the One-Time Password (OTP) for each transaction is sent only once again after the original dispatch.
After that, the ‘New OTP Dispatch’ option is deactivated. In case the time period for the use of the One-Time Password (OTP) has not expired and OTP re-dispatch is requested, the same One-Time Password (OTP) will be sent.

What is the declared mobile phone number?

The declared mobile phone number is the mobile number that is associated with the specific card in the bank’s system. During the transaction, the last 4 digits of the declared mobile phone number will be displayed in the pop-up window on the sign-up screen, and the One-Time Password (OTP) will be sent to this mobile number.

Can I use the same One-Time Password (OTP) in order to effect more than one transactions?

No. The One-Time Password (OTP) can be used only once and for the specific transaction for which it is sent. The One-Time Password (OTP) that has been used to effect a transaction cannot be used to effect another one.

Is the One-Time Password (OTP) communicated to the online store?

The One-Time Password (OTP) that you enter is not communicated to the online store. The password is checked by HSBC in order to verify that the transaction is executed by the legitimate cardholder.

What will happen if I do not enter correctly the One-Time Password (OTP)?

If you do not enter correctly the One-Time Password (OTP), you will be informed that the password is incorrect and you will be prompted to re-enter it. In the event that you enter the One-Time Password (OTP) incorrectly 3 times, you will not be able to complete the transaction and you will need to repeat the process from start. If you have not received the One-Time Password (OTP) you can request a new one.

Can I make purchases from non-affiliate online stores?

The additional identification process does not apply to non-affiliate online stores that do not support ‘Verified by Visa’ and / or ‘MasterCard SecureCode®’ services. Transactions made at these stores are effected without the introduction of a One-Time Password (OTP). However, when you transact with non-affiliated online stores, we recommend the following:

  • Select businesses that are trusted
  • Keep a record of your electronic transactions (date, amount, order number, etc.)
  • Read the terms carefully before completing your transaction
  • Read carefully about the shipping process, postage costs or other possible charges associated with the purchase of the good or service you are interested in
  • Make sure it is a secure online store (https: //)
Is the Verified by Visa / MasterCard SecureCode® service available for add-on credit cards as well?

Yes, the Verified by Visa / MasterCard SecureCode® Service is available for the add-on credit cards, too.

Can I receive the One-Time-Password (OTP) in an international mobile phone number?

No, you cannot declare an international mobile phone number for receiving the One-Time password (OTP) for the Verified by Visa / MasterCard SecureCode® Service.

What is the duration of a One-Time Password (OTP)?

Please note that the time duration of a One-Time Password (OTP) is 5 minutes. In case the One-Time Password (OTP) is not used within this specific time limit, you will have to initiate the transaction from start.

May I create a password that I will be using in my transactions?

The creation of a password is not possible. You will be receiving a new One-Time Password (OTP) for every transaction, so that password leakage is not possible.

What will happen if the online store does not support the 'Verified by Visa' and/or 'MasterCard SecureCode®' services?

It is not necessary to enter a One-Time Password (OTP), in online stores that do not support 'Verified by Visa' and / or 'MasterCard SecureCode®' services and do not display the special signs.

How can I see the history of transactions that I have made with Verified by Visa / MasterCard SecureCode®?

On HSBC’s site in the field card management you will choose: "View the 30 recent Verified by Visa / MasterCard SecureCode® Transactions."

Although there is a transaction in the card management field in the 30 recent Verified by Visa / MasterCard SecureCode® Transactions my card has not been charged. Why is that?

Because it may pass the verification of Verified by Visa / MasterCard SecureCode®, but the transaction may be rejected for some other reason (e.g. insufficient balance available).

How can I be sure that my credit or debit card number will not be inappropriately used?

Your payments through the internet to businesses that participate are guaranteed by Verified by Visa / MasterCard SecureCode®. With the one-time password (OTP) for each transaction, you confirm that you are the legitimate cardholder in order for your transaction to be effected. This process is safe for you and invisible to the merchant.

Who should I contact when something is wrong and I think that my transaction has been repeated?

You may contact the Phone Banking Service from HSBC at + 30 210 6962070 between 9:00 am and 18:00 pm, Monday to Friday.

Who should I contact when I think that my card has been fraudulently used?

For help or support about suspicious transactions effected with your cards, please call immediately at + 30 210 6244606, from landline, mobile phone or from abroad (available 24 hours a day, workdays and holidays).

Is Verified by Visa / MasterCard SecureCode® Service obligatory for my online trnasactions?

Online stores that are affiliated with the Verified by Visa / MasterCard SecureCode® services require from the card holder to connect his/her card to the service, while it is not mandatory to do so for your online transactions at non-affiliated e-shops.

What happens when my debit or credit card expires?

HSBC renews every card that expires. Upon the renewal of your card, the Verified by Visa / MasterCard SecureCode® service is automatically updated with the details of the renewed card.

What if my debit or credit card is lost or stolen?

After the declaration of loss or theft according to the Bank's procedures and the terms and conditions of card issuance and use, your card is canceled and a new one is issued upon your request, which needs to be activated.

What if I cancel my debit or credit card and acquire a new one?

As each card has a different number, you'll need to activate your new debit or credit card.