3D Secure

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Whether you are buying a ticket, booking a hotel or purchasing products online, simply use your Titanium Fresh Card or Lira Card and enjoy greater security with the ‘3D Secure’ service.

BBAC’s ‘3D Secure’ is a free-of-charge service facilitated by MasterCard to increase transactions’ security level when shopping online with your Titanium Fresh Card or Lira Card, protecting you further from possible fraudulent and unauthorized use of your card.

This service is available only on ‘3D Secure’ merchant websites that display the below ‘MasterCard Secure Code’ logo on their payment checkout page.


Every time you shop online on a ‘3D Secure’ merchant website, you will be prompted to enter a unique One-Time Password (OTP), which will be sent to your registered mobile number to complete your transaction. The OTP is valid for one transaction only and for 30 minutes from the time it is generated.

No enrollment is required in the ‘3D Secure’ service as all BBAC Titanium Fresh and Lira cardholders are automatically enrolled free-of-charge. All you have to do is ensure that your latest mobile number is registered with BBAC as the OTP will be sent to the mobile number in the bank’s file.

Payment Process

During payment processing at a ‘3D Secure’ merchant website, you will be redirected to BBAC’s ‘3D Secure Verification Page’, and at the same time, you will receive the OTP via SMS on your registered mobile number.

Next, you should enter the OTP and click “Submit”. Once the system has verified the OTP, your transaction will be processed and your purchase will be completed.

For more information, please call Customer Care on 00961-1-366 921.

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