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       Verified by Visa / MasterCard SecureCode

 

The Reserve Bank of India (RBI) has issued a guideline that, from 1st Aug 2009 all online credit card transactions require an extra verification.
 
We are therefore, implementing a "Verified by VISA" or "MasterCard SecureCode" password.

You will need this password to continue transacting online from 1st Aug 2009

 What is Verified By Visa?
 What is MasterCard SecureCode?
Click here to Register

What is Verified By Visa?

Verified by Visa is a new service that will let you use a personal password with your BOBCards Visa card, giving you added assurance that only you can use your BOBCards Visa card to make purchases over the Internet. The process is simple to use and secure:
To use the facility, you would:

   - Connect to the Internet and shop online using your BOBCards Visa card.
   - You don't need any special software to use Verified by Visa.
   - Using this facility is as easy as using a PIN for ATM transactions.

How does Verified by Visa work?
Verified by Visa provides you with a password to protect your online transactions, just like you use 
your PIN at an ATM. Here are the steps:
  - Select the goods or services you want from a Verified by Visa online store and proceed to the 
    payment page.
  - Enter your BOBCards Visa Card number and the online store will connect with BOBCards to 
    check whether your Card is secured with  Verified by Visa.
  - BOBCards initiates a Verified by Visa pop-up window on your computer screen that includes 
    your Personal Message.
  - Look for and confirm your Personal Message, then enter your password. BOBCards 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 BOBCards Visa card or do I need to apply for a new one?
You can register with any of your BOBCards Visa card for this service. 
 
Can I register with more than one BOBCards Visa card? 
Yes, you can register one or all of your BOBCards Visa Credit Cards.
 
How do I register my BOBCards Visa card? 
You need to register for the service through the BOBCards Website.
 
Can I register my non-Visa payment cards with Verfied by Visa?
Currently, Verified by Visa is only offered to on Visa card.
 
After I register, how long does it take for Verified by Visa to become active on my card?
The registration process is completely online and instantly completed. Your registration successful message is displayed at the end of the registration process and you can start using the facility to shop securely on the Internet straightaway. 
 
Do I need any special equipment or software on my computer? 
All you need is an Internet connection and Internet explorer 5.0 and above. To find out of your browser is compatible, go to the "Help" menu in the upper right of your browser and select the "About" option. It should tell you what version is installed on your computer. 
 
What is a Personal Message?
When you register for Verified by Visa, you may be asked to create a Personal Message. When you pay online, always look for this Personal Message to ensure that BOBCards is authenticating you. 
 
How will the online store know that I have Verified by Visa?
Participating online stores will automatically recognize your BOBCards Visa card number if you have registered it for Verified by Visa.
 
What if I forget my password?
If you forget your password, you may reset your password (create a new password) after entering your credit card number, CVV2, Date of Birth and card expiry date.
 
If I suspect someone has stolen my password or used it to make fraudulent purchases, what should I do?
Contact BOBCards immediately by email at crm@bobcards.com or by phone at 1800225110.
 
Can I get the benefit of Verified by Visa security at online stores that are not participating in the service? 
No. BOBCards Secure Internet Payment is available at only Verified by Visa websites.
 
What happens if I shop at a Verified by Visa merchant website while I'm not registered for this feature?
You will be prompted for online registration for Verified by Visa by BOBCards. You would need to authenticate yourself with your BOBCards credit card number, CVV2, Date of Birth and card expiry details. You can choose your password to be used for Verified by Visa.
Thereafter, you can continue shopping on the merchant website. If you decide not to register immediately and transact through your normal credit card number, then your transaction will not get authorised and you would not be able to complete the transaction on such websites.

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What is MasterCard SecureCode?
 

What is MasterCard SecureCode? 
MasterCard SecureCode is a new service that will let you use a personal password with your BOBCards MasterCard, giving you added assurance that only you can use your BOBCards MasterCard to make purchases over the Internet. The process is simple to use and secure:
To use the facility, you would:

   - Connect to the Internet and shop online using your BOBCards MasterCard.
   - You don't need any special software to use MasterCard SecureCode.
   - Using this facility is as easy as using a PIN for ATM transactions.
 
How does MasterCard SecureCode work?
MasterCard SecureCode provides you with a password to protect your online transactions, just like you use your PIN at an ATM. Here are the steps:
  - Select the goods or services you want from a MasterCard SecureCode online store and 
    proceed to the payment page.
  - Enter your BOBCards MasterCard number and the online store will connect with BOBCards to 
    check whether your
    Card is secured with MasterCard SecureCode.
  - BOBCards initiates a MasterCard SecureCode pop-up window on your computer screen that 
     includes your Personal Message.  
  - Look for and confirm your Personal Message, then enter your password. BOBCards 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 BOBCards MasterCard or do I need to apply for a new one?  
You can register with any of your BOBCards MasterCard's to be protected by MasterCard SecureCode. 
 
Can I register more than one BOBCards MasterCard? 
Yes, you can register all of your BOBCards MasterCard Credit cards.
 
How do I register my BOBCards MasterCard? 
You need to register for the service through the BOBCards Website.
 
Can I register my non-MasterCard payment cards with MasterCard SecureCode?
Currently, MasterCard SecureCode is only offered to protect MasterCards.
 
After I register, how long does it take for MasterCard SecureCode to become active on my card?
The added protection of MasterCard SecureCode is available as soon as BOBCards 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 MasterCard website. 
 
Once I have registered, how do I use MasterCard SecureCode when I shop online?  
Once you have registered, you will be able to use MasterCard SecureCode service right away on participating merchant sites. For a full listing of these merchants, please visit your local MasterCard website. You will also find the MasterCard SecureCode online shopping demo at these websites.
 
Do I need any special equipment or software on my computer?  
All you need is an Internet connection with Internet Explorer 5.0 and above, or Mozilla Firefox 2 or above. To find out if your browser is compatible, go to the "Help" menu in the upper right of your browser and select the "About" option. It should tell you what version is installed on your computer. 
 
Can I use MasterCard SecureCode from any computer?
You can use MasterCard SecureCode at any PC that has an Internet connection and Internet Explorer 5.0 and above, or Mozilla Firefox 2 or above. 
 
What is a Personal Message?
When you register for MasterCard SecureCode, you may be asked to create a Personal Message. When you pay online, always look for this Personal Message to ensure that BOBCards is authenticating you. 
 
Where can I shop with MasterCard SecureCode?  
Look for the MasterCard SecureCode mark on participating online stores or check the list of current participants on your local MasterCard website.
 
How will the online store know that I have MasterCard SecureCode?
Participating online stores will automatically recognize your BOBCards MasterCard number if you have registered it for MasterCard SecureCode.
 
What if I forget my password?
If you forget your password, you may reset your password (create a new password) after entering your credit card number, CVV2, Date of Birth and card expiry
 
If I suspect someone has stolen my password or used it to make fraudulent purchases, what should I do?
Contact BOBCards immediately by email at crm@bobcards.com
 
Can I get the benefit of 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 MasterCard website.
 
What happens if I shop at a MasterCard SecureCode merchant website while I'm not registered for this feature ?
You will be prompted for online registration for MasterCard SecureCode. You would need to authenticate yourself with your credit card number, CVV2, Date of Birth and card expiry details. You can choose your password to be used for MasterCard SecureCode.
Thereafter, you can continue shopping on the merchant website. If you decide not to register immediately and transact through your normal credit card number, then your transaction will not get authorised and you would not be able to complete the transaction on such websites.

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