Q: What is the Kotak Cards Verified By Visa Service?
A: Kotak Cards Verified By Visa is a service developed by Kotak Debit Cards with Visa to help ensure that all your purchases on the Internet using Kotak card is completely secure.
Q: Who can register for Kotak Cards Verified By Visa Service?
A: Anyone with a valid Kotak Visa Debit card.
Q: What is the benefit for consumers?
A: It provides added assurance by authenticating the cardholder while using the Kotak Visa Debit card to make purchases online. One can be comfortable that any online merchant giving Verified By Visa service is a legitimate commercial entity.
Q: Is my personal information safe and secure?
A: Yes. Your information is transmitted using a high level of encryption and is stored on a secure server.
Q: Does Kotak Cards Verified By Visa Service cost me anything?
A: No. There are no additional charges associated with this service.
Q: Are there any service guarantees?
A: Kotak Mahindra Bank assures you that the information you provide is for activation purposes. Your information is protected and will not be used by or shared with any other parties.
Q: Will the Kotak Debit Card be accepted on all domestic and international merchant sites?
A: Kotak debit card will be accepted on all the merchant sites which are participating in Verified by Visa service.
Q: Can I register with my existing Kotak Debit card or do I need to apply for a new one?
A: You can register your existing Kotak Debit card to be protected by Verified By Visa.
Q: Can I register more than one Kotak Debit card?
A: Yes, you need to register all of your active Kotak Debit cards.
Q: How do I register / activate my Kotak Debit card?
A:There are two ways to register / activate your Kotak Debit card for Verified By Visa:
- You can activate during shopping.
- You can also register through Kotak cards website by “clicking here”.
Q: How do I register / activate my Kotak Debit card for Verified By Visa during shopping?
A: Below is the step by step process:
- Cardholder visits a Verified By Visa enabled Merchant website.
- Navigates through the site to select the shopping item.
- Cardholder proceeds to checkout & is asked to enter the customer details.
- Cardholder is then asked to fill in the relevant payment details including the card details.
- Once cardholder clicks on the SUBMIT/PAY button, he/she is taken to the Kotak Cards Verified By Visa screen wherein he/she has to enter Card No, Expiry Date, CVV2 & Date of Birth. On successful validation, the customer will receive a One Time Password on his / her registered Mobile no. & E Mail ID.
- The One Time Password received on registered Mobile & E Mail ID will be entered to complete the registration Process.
- This One Time Password will be valid till 15 minutes or the usage whichever is earlier. The Card Holder will have to generate a One Time Password every time that he / she wants to transact.
Q: My spouse and I both have Kotak Debit card. How does Verified By Visa work for the two of us?
A: Verified By Visa still works for both of you. You'll each register and create your own password. Please note that all Kotak Debit cardholders will need to register and create their own passwords to shop at participating online stores.
Q: What is a Personal Assurance Message (PAM)?
A: The Personal Assurance Message is created by you during the activation process, and will be displayed back to you when you are prompted for your password during Kotak Cards Verified By Visa Service password verification at checkout. The Personal Assurance Message has been designed to reduce the risk of fraudulent merchants presenting false credentials to unknowing Internet users in order to gain access to personal financial information. So when the Kotak Cards Verified By Visa Service password window prompt includes your Personal Assurance Message, that gives you more assurance that it is actually Kotak Cards Verified By Visa Service asking you for your password, and not someone else masquerading as Kotak Cards Verified By Visa
FAQs Questions about shopping with Verified by Visa
Q: After I register, how long does it take for Verified By Visa to become active for my card?
A: The added protection of Verified By Visa is available as soon as Kotak Cards confirms that your registration is successful.
Q: Once I have registered, how do I use Verified By Visa when I shop online?
A: Please "click here" to view the step by step guide on Verified By Visa works while shopping online.
Q: Do I need any special equipment or software on my computer?
A: 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.
Q: Can I use Verified By Visa from any computer?
A: You can use Verified By Visa at any PC that has an Internet connection and Internet Explorer, Netscape or AOL browser software version 4.0 or above.
Q: Where can I shop with Verified By Visa?
A: Look for the Verified By Visa mark on participating online stores
Q: How will the online store know that I have Verified By Visa?
A: Participating online stores will automatically recognize your Kotak Visa card number if you have registered it for Verified By Visa.
Q: What is an OTP (One Time Password)?
A: OTP (One Time Password) is a dynamic password and can be used only once. For each transaction a new password will be generated and sent to your mobile no / E Mail ID. The One Time Password will be valid for 15 minutes or the usage whichever is earlier.
Q: How is an OTP (One Time Password) more secure than a static password?
A: OTP (One Time Password) is the most secure way of transacting online. You are protecting from any misuse / fraud. In case of a static password if the password is known to someone he / she can do the transaction or if your Computer is hacked the fraudster can do further transactions. In case of OTP even if your computer is hacked he will not be able to do any transactions. So the money is safe.
Q: Can I get the benefit of Verified By Visa security at online stores that are not participating in the service?
A: No. For the service to be active, the online store needs to participate in Verified By Visa.
Q: What happens if I shop on a Verified By Visa enabled merchant, while I am not registered for Verified By Visa?
A: You will be prompted for online registration for Verified By Visa by Kotak Cards. For registration, you will need to first authenticate yourself by entering the details as required. Post positive authentication, you need to create the 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 debit card, then your transaction may get declined and you may not be able to complete the transaction on such website.