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 VBV (Verified By Visa)                                                                                                                       Click the link for Video Tutorial


Welcome to Sanima 3D – Secure service. Our VISA cardholder can now enjoy the online shopping in most secure way. Online transactions in trusted merchant websites (authorized by VISA Worldwide Pte. Ltd.) are performed with One Time Password (OTP) to protect your online transaction process.

Terms and conditions

  • These terms and conditions hereof regulate the 3D Secure Service (Verified By Visa™ ("VbV") for VISA cards issued by Sanima Bank for performing online purchase of goods and services.
  • Definition of words;
    • "Card" shall mean a valid Visa Card issued by Sanima Bank to the customers.
    • "Card holder" means any person holding a valid Card issued by Sanima Bank and who desires to make payments to the Merchant using his/her Card through the Internet.
    • "Merchant" means any firm/institutions/organization that accepts online payment made by the Card holder using the Card for the product and/or service purchased through its website.
    • "3D Secure One Time Password" (OTP) means the six (6) digit secret code that is valid for only one login session or transaction while making online payment using the Card.
    • "Service" means the 3D Secure Service VbV™
    • "User ID" means the Card number provided to the Card member by Sanima Bank to enable card payments through the Internet using the Card.
    • "Website" means the website of Sanima Bank located URL at or website of the merchant accepting VbV service.
    • “Card Verification Value” (CVV) is the three digit numbers displayed at the right side of the back side of the card.
    • "Chargeback" means a dispute resolution mechanism available to the Card holder to resolve his/her grievances against transactions processed through his/her card in accordance to the rights and duties endowed by the dispute resolution guidelines developed and updated from time to time by Visa Worldwide Pte. Ltd. (VISA)


  • The Card holder shall apply for enrollment for VbV Service and using the 3D Secure through Sanima Bank’s website or at other websites in the manner prescribed by Sanima Bank for the usage of Service.
    • Sanima Bank shall be entitled at its sole discretion to accept or reject such applications. The Card holder shall register for the Service by providing required card details as shall be required by Sanima Bank from time to time for the purpose of generating the 3D Secure OTP.
    • Sanima Bank shall validate the details provided by the Card holder to enable the Card member to generate the 3D Secure OTP. In the event any of the card details of the card member is not as per the details with Bank, Bank shall at its sole discretion reject the generation of 3D Secure OTP.
    • On successful generation of the 3D Secure OTP by the Card holder, Sanima Bank shall communicate the same to the Card holder in a manner as shall be decided by Bank at its sole discretion.


  • Sanima Bank shall validate the card details provided by the Card holder, during the course of an online transaction. Bank shall further ensure that the Merchant’s website shall be identified by way of display of the brand credentials like logo, trademark, hyperlinks of/to Bank, such that the card holder can transact through the Internet.
  • The Card holder will not sign any physical slips at the time of making the online payment. It will be self-declared by the card holder for the transaction performed by entering OTP and other card details in all the cases.
  • In the case of any dispute regarding the authenticity or validity of such a payment after being authenticated through the service, for any reason whatsoever, the Card holder shall be liable to pay the outstanding amount payable. Sanima Bank shall not be liable, in any manner whatsoever, for the same.


  • Sanima Bank or its officers, employees, merchant and agents (if any) shall not be liable for any unauthorized transactions occurring through the use of the service.
    • Card holder hereby fully indemnifies and holds Bank harmless against any action, suit, proceeding initiated against it or any loss, cost or damage incurred by it as a result thereof.
    • Sanima Bank shall under no circumstance be held liable to the Card holder if the Service is not available in the desired manner for reasons including but not limited to natural calamities, legal restraints, faults in the telecommunication network or network failure, or any other reason beyond the control of the Bank.
    • Under no circumstances shall the Bank be liable for any damages whatsoever whether such damages are direct, indirect, incidental consequential and irrespective of whether any claim is based on loss of revenue, interruption of business or any loss of any character or nature whatsoever and whether sustained by the Card member or by any other person.
    • Illegal or improper use of the service shall render the card holder liable for payment of financial charges as decided by the Bank or will result in suspension of the Service.


  • The card holder shall be solely responsible for the payments made through the Internet even in the event of the card member claiming non-possession of the card with him/her. The card holder shall further be solely responsible for any payments made using the card through the Internet for travel and entertainment purposes and cannot claim the invalidity of the same.
  • The card holder agrees and acknowledges that Sanima Bank shall in no way be held responsible or liable if the card holder incurs any loss as a result of carrying the instruction of the card member pursuant to the verification through the 3D Secure OTP and the Card member shall fully indemnify and hold harmless the Bank in respect of the same.
    • The card holder shall maintain the secrecy of all information of confidential nature and shall ensure that the same is not disclosed to any person voluntarily, accidentally or by mistake. The card holder agrees and acknowledges that any loss, damage, liability caused or suffered by the Card member due to disclosure of all information of confidential nature shall be borne by the Card member without transferring any liability or responsibility towards the Bank.
    • The Card member shall comply with such guidelines, instructions or terms as Sanima Bank may prescribe from time to time with respect to the 3D Secure OTP.
    • Card holder is fully liable for the transactions if not performed from 3D secure with the use of OTP with non-VbV merchants or use of only Card Verification Value (CVV).


  • Any payment made on the Internet using the card holder’s 3D Secure OTP shall be deemed to be an instruction received from the card holder. The Card holder’s 3D Secure OTP generated by him/her, allows card holder to make payments through Internet and that card holder is the sole and exclusive owner of the card holder’s 3D Secure OTP and accepts sole responsibility for use, confidentiality and protection of the 3D Secure PIN, as well as for all payments made using such 3D Secure OTP.
    • The use of the card by the card holder for making payments on the Website is at the Card holder’s own risk and sole responsibility.


  • Upon registration and generation of OTP, the card holder shall be solely responsible for any/all payments made through the Internet. Any payment made on the Internet using the card holder’s OTP shall be deemed to be a genuine order received from the card holder. The card holder’s OTP allows him/her to make payments through Internet and that he/she is the sole and exclusive owner of such OTP and accepts sole responsibility for use, confidentiality and protection of the OTP, as well as for all payments made using such OTP.
    • The use of the card by the card holder for making payments through Internet is at the Card member’s own risk and is the Card member’s sole responsibility.


  • Sanima Bank reserves the right to charge and recover from the card holder service charges/other applicable charges for the services availed by the card holder immediately or any time after the transaction is done.
    • The card holder hereby authorizes Sanima Bank to recover the service charge by debiting the card holder account with the Bank or by sending a bill to the card holder who will be liable to make the payment on or before payment due date or within the specified period.
    • Failure to do so shall attract the provisions of the Terms and Conditions, including suspension of the Service without any prior reference to the card holder or without any liability to the Bank.
    • In the event of suspension of the service, Sanima Bank reserves the sole right to accept or decline the request for resumption of the Service.


  • The card holder shall indemnify and hold Sanima Bank, including its officers, employees, merchants and agents, indemnified against all losses and expenses on full indemnity basis which the Bank may incur, sustain, suffer or is likely to suffer in connection with the execution of the card holder’s instructions and against all actions, claims, demands, proceedings, losses, damages, costs, charges and expenses as a consequence or by reason of providing the service.
  • Sanima Bank has no obligation to verify the authenticity of any payment made from the card holder’s 3D Secure OTP other than by means of verification of the card holder’s 3D Secure OTP.


  • Sanima Bank reserves the right to add, revise, suspend in whole or in part any of the services provided by it.
    • By using the service, the card holder shall be deemed to have accepted these Terms. Bank shall have the absolute discretion to amend or supplement any of the Terms and/or terms and conditions stipulated by Bank pertaining to the service and/or to any services/facilities offered by Bank at any time without any prior notice by hosting the same on the Website or in any other manner as decided by Bank.
    • The card holder shall be responsible for regularly reviewing these Terms and the terms and conditions stipulated by Bank including amendments thereto as may be posted on the Website. Such amended Terms stipulated by Bank will thereupon apply to and be binding on the Card member.


  • Sanima Bank shall have no obligation to verify the authenticity of any transaction / instruction received or purported to have been received from the card holder other than by means of verification of the 3D Secure OTP. While the Bank shall endeavor to carry out the instructions promptly, they shall not be responsible for any delay in carrying on the instructions due to any reason whatsoever, including due to failure of operational systems or any requirement of law.
    • The Bank may refuse to comply with the instructions without assigning any reason and shall not be under any duty to assess the prudence or otherwise of any instruction and have the right to suspend the Service if it has reason to believe that the card holder‘s instructions will lead or expose to direct or indirect loss or may require an indemnity from the card holder.


  • The card holder reserves the right to lodge Chargeback with Sanima Bank against any transaction posted in his/her card account, within 120 days from the day of transaction processing date.
    • After receiving application, Sanima Bank shall process further as per the standard procedures, fess/charges and timeline set by Visa Worldwide Pte. Ltd.
    • The card holder hereby agrees that the decision of Visa Worldwide reviewing committee on the disputed transaction(s) is final and binding to him/her.
    • The card holder duly accepts that s/he shall make the payments of posted transactions within the payment due date prescribed by Sanima Bank despite the card holder has lodged Chargeback or wishes to lodge the Chargeback. In the event of dispute resolved in favor of the card holder, the proceeds shall by duly credited by the Bank in the same card account within the time frame prescribed by dispute resolution guidelines of Visa Worldwide.
    • During the currency of this agreement, the card holder acknowledges that s/he is familiar with and aware of the laws of the land and foreign exchange, Anti-money Laundering and Combating of Financing of Terrorism regulations prescribed by regulatory authorities and agrees to comply with them strictly.
    • The card holder is solely liable for voluntary or involuntary indulgence in any illegal, money laundering or financing for terrorism activities using 3D Secure Service; and indemnifies the Bank harmless against any damages, claims or lawsuits or penalties arising out of the such involvement of the card holder including but not limited to purchases such as purchases of pornographic nature, online gambling etc.


  • All disputes, if any, arising out of or in connection with, or as a result of this Terms and Conditions or otherwise relating hereto, shall be subject to the exclusive jurisdiction of the competent courts/tribunals in Kathmandu only.
  • Sanima Bank shall make reasonable efforts to advise customers to provide full information about this product with appropriate promotional tolls from appropriate media time to time.
  • Sanima Bank shall use your personal information for the Sanima Bank’s services only for protecting your personal data.

Click on box below to enroll yourself for VbV .

I've read and understood the terms & conditions.

Fees & charges :
Enrollment Fee - Free
Annual Charge - NPR 100


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