ABA Bank is the first Cambodian bank to launch 3D-SECURE service for its VISA & Master Cardholders. The 3D-Secure system provides an extra layer of protection when making transactions online. This technology is available for both Mastercard and VISA cards while making purchases through the websites protected by “Mastercard SecureCode” and “Verified by VISA” security systems.
From 01 December 2013, ABA Bank customers who have registered their payment card for the 3D Secure service will receive One-Time Password (OTP) as a unique online identifier when carrying out any transaction online. The OTP will be sent either by SMS to the phone number or by e-mail, both registered in the Bank. The cardholder then uses that OTP to validate online transactions.
"You or Your" means or refers to the primary cardholder and, when the context so requires, each supplementary cardholder.
"We, us, our or ABA" means The Advanced Bank of Asia Limited.
"3DS" refers to Three Domain Secure, which is the payment industry internet authentication standard that has been developed by the major card schemes.“Merchant" means any person or company who owns or manages or operates the merchant establishment through a physical establishment and/or a website.
"One-Time Password or OTP" means any password(s) or other means of authentication as we may specify from time to time, which will facilitate your making credit/ debit card payments through the internet in a secured manner.
"SMS" refers to short message service which allows you to receive text messages sent through a mobile service network.
"Email" means electronic mail message which allows you to receive messages sent through Internet.
By using this One-Time Password (“OTP”) service (the “Service”), you will be deemed to have accepted and agreed to comply with these terms, which shall operate in addition to all other applicable terms, including our applicable data policies, the terms and conditions governing the use of your Card, the terms and conditions governing the use of your ABA accounts and ABA banking products and any security measures provided by us from time to time for online shopping or the Service.
When engaging in an online transaction or other transactions for which the Service is applicable, you are required to enter an OTP sent to you via SMS or Email before the Merchant accepts your Card to pay for the transactions. If you cannot provide the OTP or the authentication through the Service fails, the Merchant may not accept your Card to pay for the transactions concerned. We will not be liable for any Merchant's refusal to accept your Card for the said payment for any reason whatsoever.
Cardholders will be responsible for the accuracy of his/her personal details provided by him/her to the Bank. Cardholders must inform the Bank immediately of any change in his/her particulars.
Cardholders will ensure that his/her mobile phone and number and email are registered for 3DS is able to receive text messaging both in Cambodia and overseas. Cardholders will be responsible for any fee imposed by his/her respective mobile phone or internet service provider.
This service is subject to the Terms and Conditions of the Cardholder’s agreement with his/her mobile phone service provider or internet service provider.
Cardholders acknowledge and agree that the sending of any SMS alert by ABA and/or its receipt by Cardholders may be delayed or prevented by factor(s) outside of ABA’s control.
ABA will not be liable for any or all losses, damage, expenses, fees costs, (including legal costs on a full indemnity basis), that may arise, directly or indirectly, in whole or in part, from (a) the non-delivery, the delayed delivery, or the misdirected delivery of an OTP; (b) the non-receipt of an OTP; (c) inaccurate or incomplete content in an OTP; (d) reliance on or use of the information provided in an OTP for any purpose; or (e) any third party, whether authorised or not, obtaining Cardholder account information contained in the alert by accessing the Cardholder’s mobile phone or email box.
You are fully responsible and liable for all transactions made by using the OTP received by you.
You must not allow any unauthorised access or any other person access to the Card and OTP used for accessing the Service.
You are to keep the OTP secret at all times and must not disclose it to any person or write it down or record it in a manner that could result in its disclosure or misuse.
If you discover that your Card details or the OTP may have been used in an unauthorised way, you must notify us as soon as reasonably practicable by calling our Customer Services Hotline at at +855 23 225 333 or contact by our online chat. In certain circumstances, we may also require you to make a police report accompanied by any other information we may require.
You accept that you are responsible for the use of the Service and agree to act prudently and in good faith, including by taking the measures listed below to safeguard the security of the Service and the OTP. You must also follow our security recommendations mentioned in ABA debit and credit cards terms and conditions and any other notices relating to the Service from time to time issued. If you fail to observe any such notices and/or your responsibilities under these terms, you are liable for all claims, losses, liabilities and other consequences arising from or in connection with the use of the Service.
ABA will be entitled to prescribe or amend these terms and conditions including methods for the use of the Service, as well as the channel for provision or use of the Service, as ABA deems appropriate.
ABA will cease to provide the Service:
- if these terms and conditions are not complied with;
- if the card is not active or card account is closed;
- upon the death or contractual incapacity of the Cardholder;
- upon written request of the Cardholder;
- in the event of improper operation of the card account by the Cardholder; or
- at its own discretion.
ABA reserves the right to begin charging a fee for such a service by giving one month’s prior notice to the Cardholder.
These terms and conditions are governed by the law of Cambodia, and the parties agree to submit to the non-exclusive jurisdiction of the courts of Cambodia.