RBI Mandate for making online payments secure


To make online payments safer, the Reserve Bank of India ( RBI ) has made it mandatory, for all online transactions to have an additional level of authentication from August 1, 2009 onwards. For Visa/MasterCard credit/debit cards, the additional level of security is a password that you will have to enter after providing your credit/debit card details while making online payments.

You need to register with your issuing bank (i.e. ICICI Bank, HDFC Bank, SBI, HSBC etc) to obtain the Verified By Visa (VBV) / MasterCard SecureCode (MSC) password. If you are not registered with the issuing bank, then your Visa/MasterCard may be declined while making a payment through our Gateway, from August 1, 2009.

What is "Verified by VISA"/"MasterCard SecureCode" password?

VBV/MSC is a service that will let you create/use a personal password with your credit/debit card, giving you added assurance that only you can use your card to make purchases over the Internet.

It provides added assurance by authenticating the cardholder while using the Visa/MasterCard to make purchases online.

How does it work?

How to get VBV/MSC password for my Visa / MasterCard Credit / Debit Card?
Registering your Visa/MasterCard for VBV/MSC password is very easy. Just login to your bank’s website, register your card for VBV/MSC and choose your password. The registration process may differ from bank to bank. Incase you are not already registered, please register with your bank right away.

Use the links below to register with your issuing bank

ABN Amro

Canara Bank


State Bank of India

Andhra Bank


Indian Overseas Bank

Syndicate Bank

Axis Bank


J&K Bank

Union Bank

Bank of Baroda

Deutsche Bank

Karur Vysya Bank

Vijaya Bank

Bank of India

GE Countrywide

Kotak Mahindra Bank

Bank of Rajasthan


Laxmi Bank Limited



Standard Chartered Bank


How can I get more information on Verified by Visa/MasterCard SecureCode password?

You can visit the following website for detailed information.
For Visa -
For MasterCard -



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