1. Online Purchase Checkout

• When making an online purchase with your HBZ Visa Card, the system will prompt you to authenticate the transaction
• Select “HBZ Mobile App” as your preferred authentication method

2. Transaction Approval via HBZ Mobile App

a) Approving with Push Notification (Recommended)

If push notifications are enabled on your HBZ Mobile App:

• A secure push notification will be sent to your registered mobile device
• Tap the notification to open the HBZ Mobile App
• Review the transaction details
• Click “Approve” to complete your purchase

b) Approving Manually (If No Push Notification is Received)

• If you do not receive a push notification or it is disabled:
• Open the HBZ Mobile App
• Got to Menu option and select “Authorise Card Payment”
• Review and Click “Approve” to authenticate the purchase

Transaction Completion

• Once the transaction is approved via the HBZ Mobile App, the online purchase is processed successfully
• If the transaction is not approved within a specified time, it may be declined for security reasons

• Ensure that you have downloaded and updated the HBZ Mobile Banking App
• Enable push notifications for the HBZ app on your device settings
• Use your registered mobile device for authentication

If you experience difficulties approving your transaction:

• Ensure your HBZ Mobile App is updated to the latest version
• Check that Push Notifications are enabled for the app
• Verify that your mobile device is connected to the internet
• If issues persist, you can still approve transactions using the traditional OTP method sent via SMS or email