Verified By Visa FAQ
Verified by Visa is a service that will add an additional level of security for your online purchases. It allows you to use a One Time Password (OTP) 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.
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.
Verified by Visa provides you with a 6 digits One Time Password (OTP)to protect your online transactions. Here are the steps:
- Select the products or services you want from an online store / website / bill payment site and select “Debit Card” payment option for making a payment.
- 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.
- Dhanlaxmi Bank / Verified by Visa page for entering the OTP for authenticating the transaction will be displayed. This page will also have the merchant details, amount etc.
- At the same instant a six digits One Time Password (OTP) is sent to cardholder’s registered mobile number with the Bank.
- Enter the OTP received in the mobile and submit.
- The payment is authorized and purchase is complete.
By default your VISA Dhanlaxmi Bank Debit card is registered for this service. Please ensure to have your mobile number registered with us to receive the OTP.
Currently, Verified by Visa is only offered on Visa card.
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.
Participating online stores will automatically recognize your Dhanlaxmi Bank Visa card
Contact Dhanlaxmi Bank immediately by phone at our Customer Care Number +91 044 42413000 or by email at customercare@dhanbank.co.in. You may also visit the nearest Dhanlaxmi Bank branch. Please see the branch locator on our website.
No. Dhanlaxmi Bank Verified by Visa is available only on the websites which have the Visa payment gateway option with Verified by Visa.
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.
All Dhanam Visa Debit Card holders can use this facility.
Yes. Dhanlaxmi Bank Visa International Debit Card is available to NRI Account holders as well.
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 window will appear.
Mobile Number is mandatory for completing the online purchase. If your mobile number is not registered with Bank, please visit the nearest Dhanlaxmi Bank branch and register your mobile number.
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.
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. No, first you need to use the new Debit card at an ATM and then you can use it for online purchases.
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.
Dhanlaxmi Bank will send you a new 6 digit numeric One Time Password (OTP) to your registered mobile no. every time that you initiate an online transaction. You will need to enter this OTP on the 3D Secure page to authenticate your transaction.
You will receive the OTP for all your online transactions on the mobile no. registered with us. To register or update your mobile no., please contact our customer care at 044 42413000 or contact your nearest Dhanlaxmi Bank branch .Once you have updated your mobile no., you will start receiving the OTP for online transactions.
No. The One Time Password (OTP) would be automatically & instantly sent to your mobile no. registered with us, after you have started the transaction and entered your card details.
No. Every 6 digit OTP is merchant and amount specific and hence is valid only for that particular transaction and cannot be used for any other transaction. The OTP SMS verbiage sent to you will also mention the merchant name and the amount of the transaction for easy identification. Every OTP is valid only for 3 mins.
Yes. You can do more than 1 transaction at a time and you will receive a separate OTP for every transaction. The OTP SMS verbiage sent to you will also mention the merchant name and the amount of the transaction for easy identification. You can successfully complete all your transactions as long as the OTPs for those transactions are still valid.
Each OTP is valid for 3 minutes or one successful usage whichever is earlier.
You can enter the OTP incorrectly a maximum of 3 times. After 3 unsuccessful OTP attempts, your transaction will be declined and you may re-initiate the same transaction.
One Time Password (OTP) would be instantly sent to your mobile no. registered with us after you have started the transaction and entered your card details. The OTP page will also display the masked mobile number which the OTP is sent. If the mobile number displayed doesn’t match with your mobile number, please contact our customer care team at 044 42413000 or your nearest Dhanlxmi Bank branch to update your correct mobile number.
If the registered details are correct and still you have not received OTP, you can request for the OTP to be re-send to you by clicking on the link in the below message displayed on the screen-‘Re-send OTP'
You should submit the latest OTP received.
Every time that an online transaction is initiated on an Add-on Dhanlaxmi Bank Card, the OTP for that transaction is sent to registered mobile no. mapped with the Add on card and the same is displayed on the OTP page to cross verify. If there is any mismatch please contact our customer care at 044 42413000 or visit your nearest Dhanlaxmi Bank branch to update the same.
If you have received an OTP and you have not initiated the online transaction at the merchant and for the amount as specified in the OTP message, please contact our customer care immediately at 044 42413000to block your card as it may be an unauthorized transaction.
If you have received an OTP and you have not initiated the online transaction at the merchant and for the amount as specified in the OTP message, please contact our customer care immediately at 044 42413000 to block your card as it may be an unauthorized transaction.
If there is any mismatch in the mobile number displayed at the OTP page, please contact our customer care at 044 42413000 or visit your nearest Dhanlaxmi Bank to update the same. Once you have updated your mobile no., you will start receiving the OTP for online transactions.
