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FAQ - Verified by Visa / MasterCard® SecureCode™ 
1. What is Verified by Visa/MasterCard SecureCode?
2. How does Verified by Visa/ MasterCard SecureCode work?
3. Can I register with my existing HDFC Bank Card or do I need to apply for a new one?
4. Can I register more than one HDFC Bank Card?
5. My spouse and I both have the same card number. How does Verified by Visa/ MasterCard SecureCode work for both of us?
6. How do I register my HDFC Bank Card?
7. Can I register my non-Visa payment Cards with Verified by Visa and non- MasterCard payment Cards with MasterCard SecureCode?
8. After I register, how long does it take for Verified by Visa / MasterCard SecureCode to become active for my card?
9. Once I have registered, how do I use Verified by Visa / MasterCard SecureCode when I shop online?
10. Do I need any special equipment or software on my computer?
11. Can I use Verified by Visa/ MasterCard SecureCode from any computer?
12. What is a Personal Assurance Message or Personal Greeting?
13. Where can I shop with Verified by Visa?
14. How will the online store know that I have Verified by Visa/ MasterCard SecureCode?
15. What if I forget my password?
16. If I suspect someone has stolen my password or used it to make fraudulent purchases, what should I do?
17. Can I get the benefit of Verified by Visa/ MasterCard SecureCode security at online stores that are not participating in the service?
18. What happens if I shop at a Verified by Visa/ MasterCard SecureCode merchant website while I'm not registered for this feature?

What is Verified by Visa/MasterCard SecureCode? 
Verified by Visa/ MasterCard SecureCode is a service that will let you use a personal password/ SecureCode with your HDFC Bank card, giving you added assurance that only you can use your HDFC Bank Card to make purchases over the Internet.

  1. Turn on your computer, connect to the Internet and pull out your HDFC Bank Card you don't need any special software.
  2. Use Verified by Visa/ MasterCard SecureCode as easily as you use your PIN at an ATM.

How does Verified by Visa/ MasterCard SecureCode work? 
Verified by Visa/ MasterCard SecureCode provides you with a Password/ SecureCode to protect your online transactions, just like you use your PIN at an ATM. Here are the steps:

  1. Select the goods or services you want from a Verified by Visa/ MasterCard SecureCode online store and proceed to the payment page.
  2. Enter your HDFC Bank Debit/ Credit Card number and the online store will connect with HDFC Bank to check whether your Card is secured with Verified by Visa/ MasterCard SecureCode.
  3. HDFC Bank initiates a Verified by Visa/ MasterCard SecureCode pop-up window on your computer screen that includes your Personal Assurance Message (PAM)/ Personal Greeting.
  4. Look for and confirm your PAM/ Personal Greeting then enter your password. HDFC Bank will then confirm your identity to the merchant.
Your payment is authorized and your order is placed. It's that simple!

Can I register with my existing HDFC Bank Card or do I need to apply for a new one? 
You can register with any of your HDFC Bank Cards to be protected by Verified by Visa/ MasterCard SecureCode.

Can I register more than one HDFC Bank card?
Yes, you can register all of your HDFC Bank Credit and Debit Cards.

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My spouse and I both have the same card number. How does Verified by Visa / MasterCard SecureCode work for both of us?
Verified by Visa / MasterCard SecureCode still works for both of you. You'll each register and create your own Password / SecureCode. Please note that once a Visa or MasterCard account is registered with Verified by Visa / MasterCard SecureCode, all cardholders will need to register and create their own Password / SecureCode to shop at participating online stores.

How do I register my HDFC Bank Card?.

You need to register for the service through the HDFC Bank Website.

Can I register my non-Visa payment Cards with Verified by Visa and non- MasterCard payment Cards with MasterCard SecureCode? 
Currently, Verified by Visa is only offered to protect Visa Cards and MasterCard SecureCode to protect MasterCard Cards.

After I register, how long does it take for Verified by Visa / MasterCard SecureCode to become active for my card?
The added protection of Verified by Visa/ MasterCard SecureCode is available as soon as HDFC Bank confirms that your registration is successful. You may begin shopping at participating stores by selecting the list of participating online stores featured on your local Visa/MasterCard website or on www.visa-asia.com/verified / www.mastercard.com/securecode.

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Once I have registered, how do I use Verified by Visa / MasterCard SecureCode when I shop online?
Once you have registered, you will be able to use Verified by Visa/ MasterCard SecureCode service right away on participating merchant sites. For a full listing of these merchants, please visit your local Visa/ MasterCard website or www.visa-asia.com/verified / www.mastercard.com/securecode. You will also find the Verified by Visa/ MasterCard SecureCode online shopping demo at these websites.

Do I need any special equipment or software on my computer?
No. All you need is an Internet connection and Internet Explorer, Netscape or AOL browser software version 4.0 or above. To find out if your browser is compatible, go to the "Help" menu on the upper right-hand side of your browser and select the "About" option. It should tell you what version is installed on your computer. 

Can I use Verified by Visa/ MasterCard SecureCode from any computer?
You can use Verified by Visa/ MasterCard SecureCode at any PC that has an Internet connection and Internet Explorer, Firefox 2.0 and above, Netscape or AOL browser software version 4.0. 

What is a Personal Assurance Message or Personal Greeting? 
When you register for Verified by Visa/ MasterCard SecureCode, you may be asked to create a Personal Assurance Message/ Personal Greeting. When you pay online, always look for this Personal Assurance Message/ Personal Message to ensure that HDFC Bank is authenticating you.  

Where can I shop with Verified by Visa? 
Look for the Verified by Visa/ MasterCard SecureCode mark on participating online stores or check the list of current participants on your local Visa/ MasterCard website and on www.visa-asia.com/verified / www.mastercard.com/securecode  

How will the online store know that I have Verified by Visa/ MasterCard SecureCode? 
Participating online stores will automatically recognize your Visa card number if you have registered it for Verified by Visa and a pop up will be shown asking for your Verified By Visa password.

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What if I forget my password?
If you forget your password, you may reset your password (create a new password) after entering your Credit/Debit Card number, ATM PIN (or CVV2 and Date of birth for Credit Cards) and Card expiry

If I suspect someone has stolen my password or used it to make fraudulent purchases, what should I do?
Contact HDFC Bank immediately at your nearest customer call centre (for Credit Cards) and PhoneBanking centre (for Debit Cards) and report the same.

Can I get the benefit of Verified by Visa/ MasterCard SecureCode security at online stores that are not participating in the service?
No. However a number of online stores have the service available to them. In the meantime, if an online store you trust is not yet participating, use common sense and follow safe shopping tips on your local Visa/ MasterCard website or at www.visa-asia.com/verified / www.mastercard.com/securecode .

What happens if I shop at a Verified by Visa/ MasterCard SecureCode merchant website while I'm not registered for this feature?
You will be prompted for online registration for Verified by Visa/ MasterCard SecureCode through a pop up screen. You would need to authenticate yourself with your Credit/Debit Card number, ATM PIN and Card expiry details. You can choose your password to be used for Verified by Visa/ MasterCard SecureCode. Thereafter, you can continue shopping on the merchant website. If you decide not to register immediately and cancel the pop up screen,
  • your transaction will not get authorised if you are using a Debit Card and you would not be able to complete the transaction on such websites
  • your transaction will get authorised if you are using a Credit Card and you would still be able to complete the transaction on such websites.
  • However, keeping your Card security in mind, HDFC Bank will decline transactions from 01/04/2008.
However, we strongly recommend that you should not cancel the pop up screen and should register for Verified by Visa/ MasterCard SecureCode as it protects you from online frauds.


 

 

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