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FAQ

 

  1. What is Verified By Visa (VBV)?
    Verified by Visa is a service that will add an additional level of security for your online purchases. It allows you to use a personal password with your Dhanlaxmi Bank Visa Debit card, making your purchases more secure over the Internet.
    To use the facility:
    • Connect to the Internet and shop online using your Dhanlaxmi Bank Visa Debit 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.

  2. What is 3-D secure?
    3-D Secure is an XML-based protocol used as an added layer of security for online credit and debit card transactions. It was developed by Visa to improve the security of Internet payments and offered to customers as Verified by Visa service. Services based on the protocol have also been adopted by MasterCard, under the name MasterCard SecureCode (MSC), and by JCB International as J/Secure. 3-D Secure adds another authentication step for online payments.

    3-D Secure should not be confused with CVV, which is a short numeric code that is printed on the back of the card.

  3. 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 products or services you want from an online store / website / bill payment site and select “VISA Card” payment gateway for making a payment. Then it will show Verified by Visa payment page.
    • Enter your Dhanlaxmi Bank Visa Debit Card number with other details like Expiry Date and CVV number. The online store will connect with Dhanlaxmi Bank to check whether your Card is secured with Verified by Visa.
    • If your card is registered for VBV then go to (a), if not, then go to (b)

    • (a) If your card has already been registered for Verified by Visa then:
      • Dhanlaxmi Bank initiates a Verified by Visa pop-up window on your computer screen that includes your Personal Assurance Message (Personal Greetings).
      • Check and confirm your Personal Assurance Message, then enter your password. Dhanlaxmi Bank will then confirm your identity to the merchant.
      • Your payment is authorized and your order is placed. It's that simple!

      (b) If your card has not been registered for Verified By Visa:
      • Dhanlaxmi Bank initiates a Verified by Visa pop-up window on your computer screen to register for VBV and will ask for the card Expiry Date, ATM PIN and Mobile Number and the page also includes a default Personal Assurance Message. You can change your Personal Assurance Message at the bank’s website.
      • Once you submit the details, it will ask you to set up your password for e-commerce transactions, which you can use next time onwards.
      • After setting your password, Dhanlaxmi Bank will complete the registration and then confirm your identity to the merchant.
      • Your payment is authorized and your order is placed.
      • Here, both registration and payment will be done. This is called Activation During Shopping or ADS.

  4. What is a Personal Assurance 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 Dhanlaxmi Bank is authenticating your identity.

  5. How can I change Personal Assurance Message?
    You can visit www.dhanbank.com and go to VBV registration section and login with your details. Once you login, you will be able to see your current details and update the same.

  6. Can I register with my existing Dhanlaxmi Bank Visa card or do I need to apply for a new one?
    You can register with your Dhanlaxmi Bank Visa Debit Card for this service. Please note, in case your card number starts with 421517 then you will need to apply for a new Debit card. Please visit the nearest branch for the same.

  7. Can I register with more than one Dhanlaxmi Bank Visa card?
    Yes, you can register one or all of your Dhanlaxmi Bank Visa Debit Cards. For each card, you will have to set a new password.

    Register through our website: You can register by clicking on “Verified by Visa” option in homepage. You need to authenticate yourself with your Dhanlaxmi Bank Debit card number, ATM PIN, card expiry details and mobile number. You can choose your password to be used for Verified by Visa. You will be asked to enter a personal greeting, which will be shown whenever you are asked to enter the password under Verified by Visa.
    OR
    Registration while doing an Online shopping transaction: In case you are shopping online on a merchant website, then during the course of the transaction you will have to register for Verified by Visa (VBV). Your VBV registration will be done by providing your Debit card number, ATM PIN, card expiry details and mobile number. You can then choose your password to be used for Verified By Visa. Your will be able to complete your shopping transaction after choosing your VBV password.

  8. Can I register my non-Visa cards with Verified by Visa?
    Currently, Verified by Visa is only offered on Visa card.

  9. How do I register my Dhanlaxmi Bank Visa card for Verified by Visa?
    Currently, Verified by Visa is only offered on Visa card.

  10. After I register, how long does it take for Verified by Visa to become active on my card?
    The registration process is completely instantly online. Once the confirmation of your registration is displayed at the end of the registration process, you can start shopping straight away.

  11. 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 if your browser is compatible, go to the "Help" menu at the upper right of your browser and select the "About" option. It should tell you what version is installed on your computer.

  12. How will the online store know that I have Verified by Visa?
    Participating online stores will automatically recognize your Dhanlaxmi Bank Visa card number if you have registered the card with Verified by Visa.

  13. What if I forget my password?
    If you forget your password, you may reset your password using "Forgot Password" option in the login page of Verified by Visa. The system prompts you to enter your Debit card number, ATM PIN, card expiry date and mobile number; and after validating the details, allows you to reset the password. Click here to rest your password

  14. If I suspect someone has stolen my password/card or used it to make fraudulent purchases, what should I do?
    Contact Dhanlaxmi Bank immediately by email at customercare@dhanbank.co.in OR by phone at our Toll free number 1800 425 1747 OR visit the nearest Dhanlaxmi Bank branch. Please see the branch locator on our website.

  15. Can I get the benefit of Verified by Visa security at online stores that are not participating in the service?
    No. Dhanlaxmi Bank Verified by Visa is available only on the websites which have the Visa payment gateway option with Verified by Visa.

  16. 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 Dhanlaxmi Bank during the course of the transaction. You would need to authenticate yourself with your Dhanlaxmi Bank Debit card number, ATM PIN 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 Debit card number, then your transaction will not get authorised and you would not be able to complete the transaction on such websites.

  17. I have changed my password. Can I change to my old password again?
    Yes, but you can not change to your last three passwords (3D Secure PIN)

  18. I am a corporate account (non-individual) holder. Can I avail this facility?
    For non-individual accounts, a Debit Card is issued to the HUF and Proprietor only. If you are a HUF and Proprietor, then only you can use this facility.

  19. Who can use this facility?
    All Dhanam Visa International Debit Card holders can use this facility.

  20. Is this facility available to NRI Account Holders as well?
    Yes. Dhanlaxmi Bank Visa International Debit Card is available to NRI Account holders as well.

  21. Where can I shop using Verified by Visa?
    Wherever you see the Verified by Visa symbol, you know you can shop with an additional layer of security. Whenever you use your activated card to pay at participating online stores, your Visa card number will automatically be recognized and the Verified by Visa password window will appear. Your password will be required to complete the purchase.

  22. If my mobile number is not registered, then what is the process?
    Mobile Number is mandatory for validation during registration. If your mobile number is not registered with Bank, please visit the nearest Dhanlaxmi Bank branch and register your mobile number.

  23. I am unable to do online transactions with my Debit card starting with the number 421517.? Please guide.
    The Debit cards starting with the number 421517 are not enabled for e-commerce transaction. Please visit your nearest Dhanlaxmi Bank branch and apply for new Debit card.

  24. Where can I shop with Verified by Visa?
    Look for the Verified by Visa mark on participating online stores or check the list of current participants on your local Visa website and on
    http://www.visa-asia.com/ap/sea/cardholders/security/vbv.shtml.

  25. What should I do if I am shopping online and I don't get asked for my Verified by Visa password?
    You can simply enter your payment details and complete your transaction. It may mean that the merchant is not yet enrolled in the Verified by Visa service. It is recommended that you transact online with trusted retailers only.

  26. What do I do if I think someone has access to my password?
    You may contact Dhanlaxmi Bank customer care by phone or write an e-mail or visit Dhanlaxmi Bank website www.dhanbank.com to change your password immediately.

  27. 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 during shopping. If you hold a Dhanlaxmi Bank Visa Debit card, you would need to authenticate yourself with your Card Number, Card Expiry Date, ATM PIN, and Registered Mobile Number. Then create your personal 3D Secure VBV password. Thereafter, you can continue shopping on the merchant website. It is mandatory for you to register for the service as per RBI guidelines w e f August 01, 2009.

  28. I have just received my new Visa Debit card and ATM PIN from Dhanlaxmi Bank. I have not used the Debit card at any ATM till date for transacting. Can I directly use the Debit card for online purchases or for Verified by Visa registration?
    No, first you need to use the new Debit card at an ATM and then you can use it for online purchases or for Verified by Visa registration.

  29. I have just received a new ATM PIN (re-issued) for my existing Debit card from Dhanlaxmi Bank. I have not used my existing Debit card along with this ATM PIN at any ATM for transactions. Can I directly use the Debit card for online purchases or for Verified by Visa registration?
    No, first you need to use the new Debit card at ATM then you can use it for online purchases or for Verified by Visa registration.

  30. My Debit card is locked for VBV. I am unable to do any online transactions.
    Please send an email from your registered email id to customercare@dhanbank.co.in to unlock the same. Please ensure that your Debit card is active and you remember your ATM PIN correctly.

  31. My Debit card was locked for VBV. Then it was unlocked with help from Dhanlaxmi Bank’s customer care. But I am still getting an error during registration.
    It is possible that your ATM PIN validation has failed. You need to enter the correct ATM PIN number. There is a possibility your card is locked as you may have exceeded the maximum ATM PIN entries In such a case, please try the next day.
 
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