Shop online with confidence
3D Secure: Safer Online Card Payments
Your DBL card is now protected by 3D Secure, an extra check that makes sure it's really you paying online.
What is 3D Secure?
3D Secure (3DS) is an extra layer of protection for purchases you make online or in apps, where your physical card isn't present. It confirms that the person paying is you, the genuine cardholder, not someone using stolen card details.
Demerara Bank introduced 3D Secure on 4 August 2026 for all of our Visa Debit and Visa Credit cards. There's nothing to sign up for: your card is already protected.
Stops online fraud
Most card fraud happens online. 3D Secure blocks people using stolen card details.
No registration
We use the mobile number and email already on your DBL account, so there's nothing to set up.
Fewer blocked cards
Stronger online security means fewer genuine purchases held up and fewer calls to unblock your card.
How It Works
When you pay online with your DBL card, the store sends the payment to DBL. Our system checks it in the background: the amount, the device and where you're shopping from.
1
You pay online
Enter your DBL card details at checkout, just as you normally would.
2
DBL checks the payment
We review the amount, your device and where you're shopping from in seconds.
3
Lower-risk purchase
Approved instantly, with nothing extra to do.
4
Some purchases need an OTP
For added security, we send a one-time password (OTP) by SMS or email. Enter it on the checkout page to approve the payment.
Payment Didn't Go Through?
If you don't receive your OTP, the screen times out or the page won't load:
1
Check your contact details
The OTP goes to the mobile number and email on your DBL account. If either has changed, update it on the DBL Mobile Banking app, through Retail eBanking or at any branch.
2
Try once more
Most failures are caused by a short network or message delay, and a second attempt usually works.
3
Don't keep retrying
Several failed attempts in a row can trigger a security block on your card.
4
Contact us
Call Card Services on 624 7000 or email visa@demerarabank.com. We can check your card and contact details and help you complete your purchase.
What You'll See at Checkout
1
Enter your card details
Enter your card details on the store's checkout page as usual.
2
Confirm it's you
A secure DBL screen asks you to verify the purchase.
3
Check for your OTP
Look on your phone or in your email for a one-time password (OTP) from DBL.
4
Enter the OTP
Type it in on the checkout page and your payment is approved.
See a "transaction failed" message? Go to Payment Didn't Go Through? above.
Stay safe: DBL will never call, text or email you to ask for your OTP. Only enter it on the checkout page during a purchase you are making.
Frequently Asked Questions
What is 3D Secure at Demerara Bank?
3D Secure is an extra security check on online and in-app purchases made with a DBL card. It confirms you are the genuine cardholder before the payment is approved.
Do I need to register for 3D Secure?
No. Your DBL card is enrolled automatically using the mobile number and email on your account.
Which cards are covered?
All Demerara Bank cards are covered, including our Visa Debit and Visa Credit cards.
Will I need an OTP for every online purchase?
Not always. Some online purchases will ask for a one-time password as an added security check, while others are approved automatically with nothing extra to do.
How will I receive my OTP?
By SMS to your registered mobile number or by email, as held on your DBL account.
I didn't get my OTP. What should I do?
Check that your contact details with DBL are up to date, wait a moment and try once more. If it still fails, call Card Services on 624 7000 or email visa@demerarabank.com.
Will DBL ever ask me for my OTP?
No. DBL staff will never ask for your OTP by phone, text or email. Never share it with anyone.
Does 3D Secure work on international websites?
Yes, when the store supports 3D Secure, which most major online retailers do. If a store doesn't support it, your purchase is still covered by our usual fraud monitoring.
Will I still have to call the bank to "open" my card for online shopping?
Much less often. 3D Secure lets us block fewer genuine purchases. We still monitor for fraud, so an unusual transaction may occasionally be held.
Does 3D Secure cost anything?
No. 3D Secure is free for all DBL cardholders.
Does it apply to in-store purchases?
No. In-store payments with your card or PIN work as before. 3D Secure only applies when your card isn't physically present.
How do I update my mobile number or email?
You can update your contact details on the DBL Mobile Banking app, through Retail eBanking or at any branch.
Having trouble with an online payment?
Our Card Services team can check your card and contact details and help you complete your purchase.
Last updated: 21 October 2026