As online merchants are now supporting 3D Secure, many local banks are yet to support it, but BPI already does [though it took a while]. 😂
Not sure as to when it was exactly implemented, but if my memory serves me right, it was the time when they sent out an update to their clients about the One-Time Password feature which is eventually the 3D Secure thing.
What is It For?
3D Secure is a sort of a security feature deployed on a certain card brand which is used to authorize and authenticate a certain transaction, for example, MasterCard SecureCode which BPI implemented not only for credit cardholders, but for prepaid cardholders as well.
I thought it’s only for credit cards and I was surprised to find out that they have implemented it on prepaid cards as well.
Instead of “MasterCard SecureCode” or “Verified by VISA”, it appears that they rebranded or named it to One-Time Password.
For BPI cardholders, there’s no need to enroll.
Every eligible cardholder can take advantage of the feature without signing-up. Just need to update the email address or mobile number in an online banking account as much as possible. Those are the two details that a one-time and unique PIN or password used to authenticate an online transaction can be sent to. So, either should be working or accurate.
Aside from updating contact information in BPI Express Online [EOL], calling customer service at 89-100 is another option for both credit and prepaid cardholders. Last option is to fill out a certain form or whatever, then drop by to a BPI office.
One-Time Password feature is free-of-charge.