Search for:
Search for:




Overview – Secure Online Shopping Through Debit Cards (Verified by Visa)

Enjoy secure and hassle-free online shopping with Allied Bank’s 3D Secure Verified by Visa (VbV) service. This added layer of protection requires a 6-digit OTP sent to your registered mobile number or email address—ensuring that only you can authorize purchases using your ABL Visa Debit Card.

All ABL Visa Debit Cards are automatically enabled for online shopping unless you opt to deactivate the service via myABL or by calling Allied Phone Banking at 042-111-225-225.

  • No manual registration required – all ABL Visa Debit Cards are auto-enrolled.

  • Real-time OTP authentication ensures that only you can complete your transactions.

  • Flexible control – activate or deactivate online shopping via myABL or Phone Banking.

  • Works with Islamic Banking Visa Debit Cards – the service is universally available across all ABL-issued Visa Debit Cards.

Q1: What is the 3D Secure Verified by Visa service?

It’s an added layer of security for online transactions made with ABL Visa Debit Cards. A 6-digit OTP is sent to your registered mobile/email, which must be entered to complete transactions on Verified by Visa merchant websites.

Q2: How do I register for this service?

No registration is required. All Allied Bank Visa Debit Cards are already enrolled by default.

Q3: How do I use my ABL Visa Debit Card for online shopping?

  1. Enter your card details at checkout on a Verified by Visa merchant website.

  2. Select your preferred OTP delivery method.

  3. Enter the 6-digit OTP received via SMS or email to authorize the transaction.

Q4: Can I deactivate this service?

Yes. Log in to myABL or call 042-111-225-225 to disable your card for online usage.

Q5: How do I reactivate my card for online shopping?

Use myABL Digital Banking or call Allied Phone Banking to re-enable your card.

Q6: Will online access continue after card renewal or replacement?

Yes. If previously enabled, online shopping remains active on the new card.

Q7: How long is the OTP valid?

The OTP is valid for 5 minutes. You can request a new OTP via the payment page link.

Q8: Will I always receive an OTP?

Yes, for Verified by Visa merchants. Some non-compliant websites may not trigger OTP authentication.

Q9: What should I do if I don’t receive the OTP?

Click the link to resend the OTP. If your contact details are outdated, please visit your branch to update them.

Q10: What if I receive an OTP for a transaction I didn’t initiate?

Do not share the OTP. Immediately contact Allied Phone Banking at 042-111-225-225.

Q11: What if I am charged for an unauthorized transaction?

Call 042-111-225-225 or visit your nearest branch to file a dispute.

Q12: Will I receive a confirmation after a successful transaction?

Yes. You will see a confirmation message on the merchant’s page and receive SMS/email alerts.

Q13: Are there any charges for using this service?

Currently, there are no charges for enabling online shopping. Please refer to the Schedule of Charges for applicable international transaction fees.

Q14: What are the daily online transaction limits?

Card Type Limit (PKR)
Classic 100,000
Sapphire 250,000
Sapphire 200 500,000
Premium 1,000,000

  • Card Number

  • CVV (3-digit security code on the back)

  • Expiry Date

  • OTP (for Verified by Visa transactions)

Q16: How do I know if a merchant is 3D Secure compliant?

Look for the Verified by Visa or MasterCard SecureCode logo at the payment page.

Q17: Is this service available for Islamic Banking Visa Debit Cards?

Yes, the Verified by Visa service is also applicable to Islamic Banking Visa Debit Cards issued by Allied Bank.