29th October 2025, Kathmandu
Mahalaxmi Bikas Bank Ltd., proudly recognized as the “Most Customer-Centric Bank of the Year 2025,” is actively leading the charge for a safer digital ecosystem in Nepal by promoting its Visa 3D Secured Cards.
MBBL Promotes Visa 3D Cards
This strategic initiative highlights the bank’s unwavering dedication to providing customers with a secure, reliable, and modern platform for the rapidly increasing volume of online transactions in the country. In an age dominated by e-commerce, digital payments, and online shopping, the Visa 3D Secure technology is not just an optional feature—it is an essential layer of defense against card fraud and unauthorized use.
Understanding Visa 3D Secure: Your Shield in Digital Commerce
The core of Mahalaxmi Bikas Bank’s campaign lies in educating consumers about the power of Visa 3D Secure, a globally recognized authentication protocol. The “3D” in the name refers to the three domains—the bank (issuer), the merchant/payment processor (acquirer), and the card scheme (Visa)—that interact to verify a transaction.
How the Extra Layer of Security Works
Visa 3D Secure introduces a critical security step that goes beyond the standard card number, expiry date, and CVV: One-Time Password (OTP) authentication.
Initiation of Payment: When a customer uses their Mahalaxmi Bikas Bank Visa card (debit or credit) for an online purchase at a merchant enabled with 3D Secure, the payment process begins as usual.
Verification Prompt: After entering the card details, the system redirects the customer to a secure page hosted by the card-issuing bank (Mahalaxmi Bikas Bank).
OTP Delivery: The bank instantly sends a unique One-Time Password (OTP) to the cardholder’s registered mobile number or email address.
Transaction Authorization: The cardholder must then enter this unique OTP on the verification screen to complete the transaction.
This simple yet highly effective process ensures that only the authorized cardholder, who has access to the registered contact details, can approve the payment. This added authentication step drastically minimizes the risk of fraud from stolen card data, providing customers with peace of mind.
Key Benefits for a Secure and Smart Digital Life
Mahalaxmi Bikas Bank’s push for Visa 3D Secured Cards is aimed at enhancing both the safety and convenience of its customers, aligning perfectly with Nepal’s broader movement towards a cashless and digitally secure economy.
Unmatched Fraud Protection
The primary benefit is the significant reduction in the likelihood of fraudulent transactions and unauthorized access. By requiring a dynamic OTP for every online payment, the bank safeguards customers against misuse of their card details, even if the information is compromised through data breaches elsewhere. For the bank, this also helps in minimizing chargeback risks, as the liability for authenticated transactions often shifts from the merchant to the card issuer.
Global Acceptance and Convenience
The service extends far beyond Nepal’s borders. Mahalaxmi Bikas Bank’s Visa 3D Secured Cards are equipped with global acceptance, making them ideal for customers who shop on international e-commerce platforms, pay for services abroad, or manage international bookings. The bank ensures that this advanced security does not come at the expense of a smooth customer experience. The authentication process is designed to be fast and convenient, offering a seamless checkout for both domestic and international transactions.
Promoting Digital Trust and Financial Inclusion
By proactively promoting digital safety, Mahalaxmi Bikas Bank builds greater customer trust in its services. This continuous focus on customer-centric, technology-driven solutions has earned the bank accolades and a reputation as a trusted financial institution. The initiative supports financial inclusion by giving all cardholders, whether using a debit or credit card, the confidence to fully participate in the growing digital economy without the fear of financial loss due to online fraud.
Easy Activation for Maximum Security
Mahalaxmi Bikas Bank has made the process of adopting this vital security feature simple and accessible for all its cardholders. The Visa 3D Secure service is available to all existing and new Visa debit and credit cardholders of the bank.
Customers can easily activate the 3D Secure functionality on their cards or request a new Visa 3D Secured Card by:
- Visiting their nearest Mahalaxmi Bikas Bank branch.
- Accessing the bank’s official website (www.mahalaxmibank.com) for online service requests and information.
As the financial world rapidly digitizes, securing every online interaction is paramount. Mahalaxmi Bikas Bank’s commitment to its Visa 3D Secured Card initiative ensures that its customers are not just keeping pace with the digital age, but are doing so with the highest level of safety and confidence.
For More: MBBL Promotes Visa 3D Cards