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Common questions for all Verified by visa/Master card SecureCode

All Verified by Visa/MasterCard 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 will need to authenticate yourself with your Credit/Debit Card number, Card expiry date and ATM PIN (or CVV2 and Date of birth for Credit Cards, along with your mobile number and email ID). For Debit Cards, you can choose your password to be used for Verified by Visa/ MasterCard SecureCode. For Credit Cards, a One Time Password one will be sent to your email ID instantly, which has to be used to complete the registration process. 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 authorized and you would not be able to complete the transaction on such websites.

Where can I shop with Verified by Visa?

You can shop at participating online stores that have the Verified by Visa/ MasterCard SecureCode mark.

How will the online store know that I have Verified by Visa/ MasterCard SecureCode?

The 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.

How can I register / re-set password for VBV/MSC if my mobile number/ email ID is not updated in the bank's records?

You will have to first have to get the details updated in our system by calling our Customer Care Centre and register after 1 working day. It is mandatory to have at least one email ID and one mobile number registered. The same will apply if there is a recent change in your mobile number or email ID.

Once I have registered, how long does it take for Verified by Visa / MasterCard SecureCode to become active for my card?

The Verified by Visa / MasterCard SecureCode gets activated for your HDFC Bank Card as soon as your registration is successful. You can start shopping at participating stores once you are registered with the added security of Verified by Visa/MasterCard SecureCode.

What will happen if I try to register again & generate an OTP within 2 hours?

You will get a pop-up message stating "Your earlier request is being processed. If you do not receive your OTP within 2 hours, please try again later". Only on expiry of the OTP generated through an earlier request, you can register again to generate a new OTP.

If my account is blocked, how do I unblock it?

If your account gets blocked, please contact your nearest Customer Call Centre (for Credit Cards) and PhoneBanking centre (for Debit Cards).

How do I use Verified by Visa / MasterCard SecureCode when I shop online, once I’m registered?

Once you have registered, you can 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/ or www.mastercard.com/securecode

How does Verified by Visa/ MasterCard SecureCode work?

Verified by Visa/ MasterCard SecureCode provides you with a Password/ SecureCode that protects your online transactions, just like the way you use your PIN at an ATM. All you need to do is follow the simple steps:

I suspect someone has stolen my password or used it to make fraudulent purchases. What should I do?

If you suspect any fraudulent activities, contact HDFC Bank immediately at your nearest customer Call Centre (for Credit Cards) or PhoneBanking Centre (for Debit Cards) and report the loss.

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 will still work for both of you. You will only need to register the primary card.

What is Verified by Visa/MasterCard SecureCode?

Verified by Visa/ MasterCard SecureCode is a service that lets you use a personal password/ SecureCode with your HDFC Bank card. This SecureCode gives you added assurance that only you can use your HDFC Bank Card to make purchases over the Internet.

How do I register my HDFC Bank Card?

You can register your HDFC Bank Card through the HDFC Bank Website or through any participating online shopping site when prompted for registration.

Can I register for Verified by Visa/MasterCard SecureCode with my existing HDFC Bank Card or do I need to apply for a new one?

Yes, you can register with any of your HDFC Bank Cards to be protected by Verified by Visa/ MasterCard SecureCode. You don’t need to apply for a new HDFC Bank Card.

Can I register more than one HDFC Bank Credit/ Debit Card?

Yes, you can register all of your HDFC Bank Credit and Debit Cards for Verified by Visa/MasterCard SecureCode.

If I have just received a renewed card, do I need to re-register?

No, you do not have to re-register your renewed card since the card number remains the same. You need to re-register only if your card number has changed due to card replacement/ re-issue/ upgrade.

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.

Can I use Verified by Visa/ MasterCard SecureCode from any other computer?

Yes, you can use Verified by Visa/ MasterCard SecureCode from any computer that has an Internet connection and Internet Explorer, 5.0 and above or Mozilla Firefox 1.5 and above or Netscape Navigator 8.1 and above.

Do I need any special equipment or software on my computer?

No. All you need is an Internet connection and Internet Explorer 5.0 and above or Mozilla Firefox 1.5 and above or Netscape Navigator 8.1 and above. Find out if you browser is compatible by going to the "Help" menu on the upper right-hand side of your browser and select the "About" option. It will tell you what version is installed on your computer.

What is a Personal Assurance Message or Personal Greeting?

When you register for Verified by Visa/ MasterCard SecureCode, you are asked to create a Personal Assurance Message/ Personal Greeting.

How can I register for VBV/SC if my mobile number / Email ID is not updated in my Credit Card records with the Bank?

You will have to first have the details updated in our system by calling our Customer Care Centre, and attempt to register later. The same will apply if there is a recent change in your mobile number.

How long does it take for the IVR Password to get delivered using Verified by Visa/Mastercard Secure Code?

The IVR Password will get delivered instantly, in less than a minute. Please ensure that you also check your Spam, Junk and all other folders for the IVR Password mailer from HDFC Bank.

If I have registered two email IDs, on which email ID will I receive the IVR Password ?

If there are 2 email IDs updated in our system, IVR Password will be sent to both email IDs. However, only one of them is required for validation during registration / password reset.

What is the validity of the IVR Password using Verified by Visa/Mastercard Secure Code?

The IVR Password is valid for 2 hours. If you do not use it within 2 hours of generation of IVR Password , it will expire. You will have to attempt registration again and use the new IVR Password . On expiry of IVR Password generated through the earlier request, you can attempt registration again to generate another IVR Password .

What are the other things that I need to keep in mind about the IVR Password using Verified by Visa/Mastercard Secure Code?

If you have provided 2 email IDs for our records, you need to enter any one of them for validation.

In what transactions is the One Time Password (IVR Password ) process applicable?

The IVR Password process is applicable only for Credit Cards for:

I don't see my Personal Assurance Message on the Secure page . What should I do?

Always look for your Personal Assurance Message before entering your Verified by Visa / MasterCard Securecode password. If your Personal Assurance Message does not appear on the secure page, do not enter your password. Please contact our Customer Care Center and update the same.

If I forget my VBV/MSC password, how do I retrieve the same?

If you have forgotten your password, Click on Forgot password on Netsafe login page. Authenticate your identity after entering your Credit/Debit Card number, Card Expiry Date and ATM PIN (or CVV2 and Date of birth for Credit Cards, along with your mobile number and email id). Once the details are validated One time password will be sent to your email id and mobile no, using this permanent password can be set.

You can also reset your password while transacting, click on Forgot password on the secure password page Authenticate your identity after entering your Credit/Debit Card number, Card Expiry Date and ATM PIN (or CVV2 and Date of birth for Credit Cards, along with your mobile number and email id). Once the details are validated One time password will be sent to your email id and mobile no, using this permanent password can be set.

While trying to register my card, I am getting the error message stating mobile no. mismatch, what could be the reason?

Please enter the mobile no you have updated in our system, In case there is a change in the number, Please contact our Customer Care Center and update the same.

On which email id will I receive the OTP for Credit card registration or for password reset?

If there are 2 email ids updated in our system, OTP will be sent to both the email ids. However, only one of them is required for validation during registration / password reset.

While trying to register I am getting error message "Card already enrolled ", what should I do?

Your card is already registered for Verified by Visa / MasterCard SecureCode, you don't have to re-register your card. In case you don't remember your password, please click on forgot password on the Netsafe login page or on the secure page while transacting and you can reset your password.

I don't remember my Verified by Visa / MasterCard Securecode login Id?

You can use your Credit/Debit card number as your login id. The login id is required only to login to Netsafe, you don't require the login id for doing online transactions.

Where do I find the CVV2"?

CVV2 is three digit number mentioned at reverse of your card.

I am unable to transact online as my card is de-registered status, how do I re-register my card?

You have to login to NetSafe on the HDFC bank website using your login id & Verified by Visa/ MasterCard SecureCode password. Once you login to Netsafe click on reregister cards, enter your date of birth and CVV2 and post that the card will be reregistered. You can now use the card for online transaction.

Is there a fee to register for Verified by Visa / MasterCard Securecode?

The service is free, There is no additional charges for using the service.

What steps should I take to ensure that my VBV / MSC Password is strong and difficult to guess?

Avoid using a password that is easy to guess, also avoid using a password that you have already used elsewhere. Password should be something that is easy for you to remember but difficult for anyone else to guess. Never share your password with others. You may even choose to change your password periodically.
It is your responsibility to protect your VBV / MSC Password.

Can I set my Personal Assurance Message to be the same as my VBV / MSC Password?

Your Personal Assurance Message and your VBV / MSC Password must not be the same, to ensure your security.

What happens if I try to make a purchase at a merchant that doesn't participate in the Verified by Visa / MasterCard Securecode service?

You will not be prompted to enter your for Verified by Visa / MasterCard Securecode password on these websites.
By shopping at websites participating Verified by Visa / MasterCard Securecode merchants, you have the extra layer of security as the transactions are authenticated using your Verified by Visa / MasterCard Securecode password.

Can I get the benefit of Verified by Visa/ MasterCard SecureCode security at online stores that are not participating in the service?

No. you can only get the benefits of Verified by Visa/ MasterCard SecureCode at the participating online stores.