Skip to main content

Denied Credit Card Transaction when Booking A Flight?

Yesterday, I tried to book a ticket on Philippine Airlines (PAL). I used my HSBC MasterCard as usual but an unexpected thing happened. I reached the payment part where I was redirected to HSBC SecurePay page. Then, I entered my personal information. When I pressed confirm, I received an error message saying that the transaction is denied because I failed to identify myself correctly.

At first, I thought maybe, I committed an error like misspelling when I was filling the web form. So I did it again from the very start. And guess what? The transaction is denied again for the same reason. I tried once more but with no success. I started suspecting that there’s something wrong in the system. I already booked several tickets in the past but I have never encountered this error before. I reasoned that if it is a problem in my card, then I couldn’t have used it in the past.

The Reason and Solution

I immediately contacted HSBC’s customer service through phone. A polite agent helped me to solve my problem and she explained to me the reason why my transaction was denied. Here is the reason:
MasterCard and Visa will not allow its card holders to transact online without activating the SecureCode (for MasterCard) or Verified by Visa service (for Visa Cards).

My immediate question is: Why I was allowed several online transactions in the past? The agent’s answer is that the system gives provisions for initial transactions. It allows just a limited number of transactions before it will require the activation.

How to Activate Visa’s Verified by Visa and MasterCard's SecureCode Service?

Before you can activate your SecureCode/Verfied by Visa service, you have to enroll first your credit card on internet banking. This service is free to HSBC cardholders. It usually takes two or three banking days before the enrollment will be activated. Once you have an online account, just log in and navigate to the “Services” category in the Menu. From there, you can see the Visa’s Verified by Visa and/or MasterCard SecureCode service. Click on it and fill out the pop-up form with your personal information. You will create a password which will serve as your identity authentication.

After the activation, I tried to book again. When I reached the HSBC SecurePay page, I was asked for the password I gave during the activation (before, I was required to enter some personal information). I entered it and presto! The ticket was successfully booked.


  1. The banks only give limited transactions because they have to protect you from going beyond your limit and also fro security purpose.

  2. have you tried using IE? it works for me..

  3. well, thanks so much. I've already solved my trouble.


Post a Comment

Popular posts from this blog

SCAM: My First Scam Text This Year; 850000 Pesos from GMA Kapuso Foundation

It's a brand new year for everyone, including local scammers. And despite all the efforts by PLDT and Globe Telecom to curb text message scammers, from time to time, they still creep out and show up in our inboxes. And as hard to believe as the messages of winning some great amounts of money is the fact that there are still people who believe them. I personally know someone and that scam text message triggered events that turn her life upside down. So my point is, we still need to be careful regarding these scam messages. The danger is real! So without further ado, here's the scam message I received a few days ago. On Sunday, January 7, 2018 at exactly 3:33PM (PH time), I received this message from a certain Atty. Jhon Acosta with phone number 09552962911 Congratulations! Ursim# Hadwon PHP850,000 From(GMA KAPUSO FOUNDATION) To Claim Send Ur (NAME/ADD/AGE) &Call Me Now Im Atty;JHON ACOSTA DTI#0391s2018 Thankyou,  Do Not Ever Reply Obviously, this is a

How to Set an Appointment with SSS Online?

To avoid long lines in SSS Offices, you can use their online services to set an appointment before going there. Here's the steps to do it. Note: SSS stands for Social Security System, a government owned and controlled corporation serving as a statutory insurance service for private individuals. 1. Log-in to . In the login tab in the menu, you can select SSS Login and you'll be greeted with this interface. Use your username and password to login. In case you forgot either or both your password and your username, just click the appropriate link. In case you haven't registered for an online account, click the appropriate button to register. 2. Once you have entered your account, hover over to Members Profile and select the Appointment System link under it. 3. Select from the drop-down menus the Purpose of your visit, the Region , and the SSS Servicing Branch you wanted to visit. 4. Select a date from the calendar provided and

How Much Does a MRI Scan Costs in the Philippines?

My dad recently needs to have a Magnetic Resonance Imaging (MRI) scan for his prostate problem. So I made a little research on how much does it cost to have one. Well, turns out, it depends on many factors such as which part of the body is to be scanned. There's also this technique called "MRI with contrast" wherein the patient will be injected with a chemical to make the scan clearer. For your information this technique of adding contrast is know as Gadolinium Contrast Medium . It adds cost to the procedure but with more clarity, the more you can trust the diagnosis. MRI Machine KasugaHuang , CC BY-SA 3.0 , Link So, in my father's case, we had a Prostate MRI and I assume it's without contrast since he was never injected with the "contrast" chemicals. We got it in i-Scan Healthcare Inc here in Quezon City. The cost is 13000 Pesos . Please take not that the amount was just for the scan and the result will be read by a separate professional. Some la