Frequently Asked Questions - Orco Bank Authenticator App & 3D Secure (3DS)
We've compiled a list of frequently asked questions that you may find helpful.
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1. What is 3D Secure (3DS)?3D Secure (3DS) is an advanced security feature for online credit and debit card payments. It adds an extra verification step to ensure that only the rightful cardholder can complete a transaction, helping to prevent fraud. You may recognize it as "Visa Secure" or "Mastercard Identity Check" when making online purchases.
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2. Why is Orco Bank introducing 3D Secure (3DS)?At Orco Bank, keeping your transactions secure is our top priority. By implementing 3DS, we are strengthening fraud protection for online purchases, ensuring a safer experience and giving you greater confidence when using your debit card online.
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3. What is the Orco Bank Authenticator App (OB Authenticator App)?
The OB Authenticator App is a secure authentication tool designed to protect your online transactions. Linked to your Orco Bank debit card, it replaces traditional SMS or email codes with a quick and reliable verification process via a mobile app. While not every online transaction will require authentication, the app ensures an added layer of security when needed.
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4. How does the OB Authenticator App work?
When making an online purchase with your Orco Bank Debit Card:
- You will receive a push notification from the OB Authenticator App.
- Open the app and review the transaction details.
- Approve or deny the transaction directly from the app.
- This process ensures that only you can authorize payments with your card.
Important note: Not all transactions will require an Authentication.
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5. What are the benefits of using the OB Authenticator App?
- Enhanced Security: Adds an extra layer of protection to prevent fraud.
- Convenience: No need for SMS codes or emails, you can now approve transactions quickly from your phone.
- Seamless Experience: A smooth and easy way to verify your online purchases.
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6. Who can use the OB Authenticator App?The app is available for Orco Bank debit cardholders who shop online and want an extra layer of security for their transactions.
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7. When will the OB Authenticator App be available to all customers?Starting April 1st the App will be available in your App store for downloading.
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8. How do I register my Debit Card to the App?
- First things first: Download and install the Orco Bank Authenticator App from your mobile device’s app store.
- Now, go ahead and make your online purchase as you normally would.
- If applicable, the website will recognize that your bank has an extra security measure to protect you.
- A security window will pop up, requesting approval for the transaction.
- An email with a One-Time Passcode (OTP) will be sent to you.
- Simply enter the OTP in the checkout screen, and your purchase will go through successfully!
- Now that your transaction is complete, let’s set up your Authenticator App for even faster approvals next time:
- After you inserted OTP in the checkout screen, you will be prompted with a registration code.
- Enter this registration code in the Authenticator App to link it to your Orco Bank account.
- Finally, set up a 5-digit PIN for secure access to your App.
Once your Authenticator App is registered, you will receive a notification directly to your phone whenever you make an online purchase. You can then approve or reject transactions with just one tap—making your shopping experience secure and hassle-free!
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9. What should I do if I experience issues while using the OB Authenticator App?
If you encounter any issues, please call our Contact Center for assistance.