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Frequently Asked Questions

What is the Kotak Cards Verified By Visa/MasterCard SecureCode Service?

Kotak Cards Verified By Visa/MasterCard SecureCode is a service developed by Kotak Credit Cards in collaboration with Visa/MasterCard to ensure that all your purchases over the Internet using a Kotak Card is completely secure.

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Who can register for Kotak Cards Verified By Visa/MasterCard SecureCode Service?

Anyone with a valid Kotak Visa/MasterCard Credit Card can register.

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What is the benefit for consumers?

It provides added assurance by authenticating the Cardholder while using the Kotak Visa/MasterCard Credit Card to make purchases online.

 One can be relaxed that any online merchant giving Verified By Visa/MasterCard SecureCode service is a legitimate commercial entity.

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Is my personal information safe and secure?

Yes. Your information is transmitted using a high level of encryption and is stored on a secure server.

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Does Kotak Cards Verified By Visa/MasterCard SecureCode Service cost me anything?

No. There are no additional charges associated with this service.

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Are there any service guarantees?

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.

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Can I register with my existing Kotak Credit Card or do I need to apply for a new one?

You can register your existing Kotak Credit Card to be protected by Verified By Visa/MasterCard SecureCode.

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Can I register more than one Kotak Credit Card?

Yes, you need to register all of your active Kotak Credit Cards.

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How do I register/activate my Kotak Credit Card?

There are two ways to register/activate your Kotak Credit Card for Verified By Visa/MasterCard SecureCode:

 

  •  You can activate during shopping
  •  You can also register through the Kotak Cards website by clicking here

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How do I register/activate my Kotak Credit Card for Verified By Visa/MasterCard SecureCode during shopping?

Here’s how you can register/activate your Kotak Credit Card during shopping:

 

  • Cardholder visits a Verified By Visa/MasterCard SecureCode 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 the Cardholder clicks on the SUBMIT/PAY button, they are taken to the Kotak Cards Verified By Visa / MasterCard SecureCode screen wherein they have to enter certain details for validation. On successful validation, the customer is asked to create their Verified By Visa/MasterCard SecureCode password.
  •   On successful creation of password, the transaction is authorized & the Cardholder is provided the order Reference Number [Depending on the Merchant].
  •   Cardholder will need to enter this password from next internet transaction using Kotak Card

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My spouse and I both have Kotak Credit Cards. How does Verified By Visa/MasterCard SecureCode work for the two of us?

Verified By Visa/MasterCard SecureCode still works for both of you. You'll each register and create your own password. Please note that all Kotak Credit Cardholders will need to register and create their own passwords to shop at participating online stores.

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What is a Personal Assurance Message (PAM)?

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/MasterCard SecureCode 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/MasterCard SecureCode Service password window prompt includes your Personal Assurance Message, that gives you more assurance that it is actually Kotak Cards Verified By Visa/MasterCard SecureCode Service asking you for your password, and not someone else masquerading as Kotak Cards Verified By Visa/MasterCard SecureCode

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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 Kotak Cards confirms that your registration is successful.

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Once I have registered, how do I use Verified By Visa/MasterCard SecureCode when I shop online?

Please click here to view the step-by-step guide on how Verified By Visa/MasterCard SecureCode works while shopping online.

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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.

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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, Netscape or AOL browser software version 4.0 or above.

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Where can I shop with Verified By Visa/MasterCard SecureCode?

Look for the Verified By Visa/MasterCard SecureCode mark on participating online stores.

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

Participating online stores will automatically recognize your Kotak Visa Card number if you have registered it for Verified By Visa/MasterCard SecureCode.

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What if I forget my password?

If you forget your password, you can click here to re-set your password.

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If I suspect someone has stolen my password or used it to make fraudulent purchases, what should I do?

You can do either of the following:

 

  •  Call customer care center of Kotak Credit Cards
  •   Re-set your password by clicking here

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

No. For the service to be active, the online store needs to participate in Verified By Visa/MasterCard SecureCode.

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What happens if I shop on a Verified By Visa/MasterCard SecureCode enabled merchant, while I am not registered for Verified By Visa/MasterCard SecureCode?

You will be prompted for online registration for Verified By Visa/MasterCard SecureCode 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/MasterCard SecureCode. Thereafter, you can continue shopping on the merchant website.

If you decide not to register immediately and transact through your Credit Card, then your transaction may get declined and you may not be able to complete the transaction on such website.

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