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About the Service

To improve the security of online payments, MasterCard and Visa have developed new global e-commerce solutions which are :

MasterCard Secure Code

Verified by Visa

These new solutions are designed to :

Authenticate cardholders at the time of purchase though the use of a unique password.

Protect merchants from online fraud.

Allow issuers to enroll their cardholders in the "MasterCard Secure Code" and "Verified by Visa" solutions which will help issuers in evaluating that the transaction has been authenticated.

To provide you with additional security for online transactions, we have partnered with MasterCard on "MasterCard Secure Code" and Visa on "Verified by Visa" to bring you the “3D Secure” service from Burgan Bank. "3D Secure" is a FREE service that you should enroll your card in to prevent the misuse of your card while shopping or paying online at Participating Online Merchants.

Note: Participating Online Merchants means an online store that displays and accepts the MasterCard Secure Code or Verified by Visa logos.

3D Secure offers you an extra layer of security when you shop or pay online. All you need to do is to register your card into "3D Secure" and create your own "3D Secure" Password to be used every time you pay online. It is just like using a PIN code at an ATM. This way, even if someone knows your card number, the online payment cannot be completed without your password at a participating online merchant.

All MasterCard/Visa Cards are eligible to have the "3D Secure" service.

The registration to the "3D Secure" service is FREE.

About the Enrollment

To register your card in the "3D Secure" service, you will be provided with two options:

(Note: please make sure to activate your credit card before registration)

Option 1 : Pre-registration

1. Visit

2. Press on the "Register Now" button.

3. Enter your Credit Card Details and accept the Terms & Conditions.

4. Create your "3D Secure" password.

5. Memorize your created "3D Secure" password as you need it for future online transactions at participating merchants.

6. A refundable fee of KD 0.01 will be charged to your card.

Option 2 : While shopping online (if not registered yet)

The next time you use your Card for an online payment at a participating online merchants, a pop-up registration window will appear on your computer screen and you will be required to register your card by following the below simple steps:

Step 1 – Fill the following information

Burgan Bank 16 Digit Card number

Card Expiry Date: Displayed on the bottom of your Card Embossed Name.

Card CVV2 or CVC2: Last 3 digits on the back of your card.

Step 2 – Enter You Burgan Bank Card PIN

Step 3 – Accept the Terms & Conditions

Step 4 – Create your "3D Secure" Password

Create Password (Input minimum of One Upper case, 3 Lower case and 1 number. Password can be up to 20 characters without spaces).

Re-type Password

Create Password Hint (it is a text message to help you remember your password).

Personal Message (it is a text message that you need to create and that will appear every time you will be asked for your "3D Secure" password to assure that you are on the bank’s page).

Tip : Make sure you can easily remember your password as you will be asked to enter it each time you shop online at a Verified by Visa/MasterCard Secure Code merchant.

You are allowed a maximum of 3 attempts when entering your "Card Expiry Date" or "CVC" or "Burgan Bank" incorrectly. At the 3rd attempt, you will be alerted that this is your last attempt to enter your card details correctly, otherwise the registration process will be declined and you will need to contact the bank on 1804080 to unlock and restart the registration process.

When you set your "3D Secure" Password, please make sure it corresponds to the following requirements : Input minimum of One Upper case, 3 Lower case and 1 number. Password can be up to 20 characters without spaces

The Personal Message is a message that you create during the registration process. Each time you make an online purchase at a participating online merchant, you will be asked to enter your "3D Secure" password. This is when you'll see your Personal Message and other purchase details. The Personal Message is your assurance that you are communicating with Burgan Bank.

Tip :  If the Personal Message displayed in the pop-up box is incorrect, you should not enter your "3D Secure" password, but should instead contact Customer Service immediately by calling the phone number on the back of your card to report a possible fraud.

The "3D Secure" becomes active as soon as your registration is successful.

You will know if your card is registered in the "3D Secure" service whenever you are shopping at a participating online merchant and asked to enter your "3D Secure" password, or by calling the bank on 1804080.

Both basic and supplementary cardholders need to register separately for the "3D Secure" service and create their own passwords to shop at participating online merchants.

You will need to register the new card in the "3D Secure" service.

If you feel that your 3D secure password has been compromised, please re-set your 3D secure password. If you also feel that your Card number has been compromised and may be used fraudulently, you should immediately call Burgan Bank phone banking on 1804080and report your card as lost or stolen.

How to use 3D Secure

The online purchase process will not change except that now you will be asked to provide your "3D Secure" password during checkout. In case you are using your card at a non-participating online merchant then you will not be asked to enter your "3D Secure" password.

Tip : It is not recommended to pay at non-participating online merchants. So every time you buy or pay online, make sure that the merchant site displays MasterCard Secure Code or Verified by Visa logos.

Participating Online Merchants are the merchants who display and accept the MasterCard Secure Code or Verified by Visa logos.

It is a very simple process :

When paying online with your card at participating online merchant; after you enter your Burgan Bank card number along with other required information and submit your order; the "3D Secure" window will appear asking you to enter your "3D Secure" Password.

When buying from merchants who are not participating yet in Verified by Visa/ MasterCard Secure Code, you will not be asked for your "3D Secure" password. However, you can proceed with your transaction without the additional security offered by Burgan Bank.

No, the merchant does not have access to your personal information. All the information entered on the Burgan Bank "3D Secure" page is not available to the merchant including your Password.

You have 3 attempts after which a pop-up message will appear advising you to contact your bank on 1804080 as the transaction has been declined.

If you forget your "3D Secure" password, you may:

Press on "Forgot your password" link which will provide you with your password hint.

 In case your password hint did not help you retrieve your password, you need to call Burgan Bank Helpdesk on 1804080 to assist you in creating a new password.

There is no special software to install. All you need is a computer that is connected to the internet, the latest browser if possible

Participating online merchants will automatically recognize your card number if you have registered it in the "3D Secure" service, and a pop-up screen will appear asking for your "3D Secure" password.