I never asked for any explanation about the terms I've been using since my first mail on this subject, I'm quite familiar with them. What I raised a question was about the utility of those when some selected Indian sites only are having this kind of system and not valid on all sites!. ----- Original Message ----- From: "bhawani shankar verma" <bsvermad...@gmail.com> To: <accessindia@accessindia.org.in> Sent: Monday, March 26, 2012 7:00 PM Subject: Re: [AI] levy or processing fee is being charged by payment gateway
3d secure password is a password which you have to creat while registering your card with visa and your bank. OTP password, you have to send sms for OTP password and you will get 3 or 4 digit numeric code. which is valid only for 30 minutes. cvc, is a 3 digit card verification code, is required if your card has 16 digit. in my case. my 16 digit card number, then a 3 digit cvc code, 16+3 19 digits. my 3d secure password is which i registered with visa. while making payment as i fill the details of my credit card, the payment gateway takes me to pnb.electracard.com where i have to submit my 3d secure password. i did not registered myself for IVRS, in that case i can not be provided OTP password for IVRS transactions. ----- Original Message ----- From: "Vikas Kapoor" <dl.vi...@gmail.com> To: <accessindia@accessindia.org.in> Sent: Monday, March 26, 2012 8:16 AM Subject: Re: [AI] levy or processing fee is being charged by payment gateway > One time password, verified by Visa, 3D secure password, whatever be the > case, the gist of the matter is not all sites require this so called extra > layer, so what is then the use of it? > ----- Original Message ----- > From: "bhawani shankar verma" <bsvermad...@gmail.com> > To: <accessindia@accessindia.org.in> > Sent: Monday, March 26, 2012 7:41 AM > Subject: Re: [AI] levy or processing fee is being charged by payment > gateway > > > OTP is only for IVRS system. not for online transaction. for online > transaction you have to registered your credit card with visa. your bank's > website should have a specific link to connect you to that registration > page. if your card is not verified with visa or master, you can not make > online payment through your credit card. > > ----- Original Message ----- > From: "Vikas Kapoor" <dl.vi...@gmail.com> > To: <accessindia@accessindia.org.in> > Sent: Sunday, March 25, 2012 11:38 PM > Subject: Re: [AI] levy or processing fee is being charged by payment > gateway > > >> But what about some foreign sites which don't have any provisions of OTP? >> I >> can quote some of the site which do not even require the CVV Code, one >> such >> site is ENotes.com. I've recently transacted over some foreign sites >> which >> don't have any provisions of OTP, I think mandating OTP has to be from a >> merchant's site and it has nothing to do with the credit card agencies. >> Just >> because of the RBI guidelines, Indian sites are inserting an extra layer >> and >> the same doesn't seem to be having any jurisdiction over the foreign >> sites, >> at least this is what I would like to conclude. that is the main reason >> I've >> never been able to understand the primary arguments behind introducing >> this >> so called extra layer! >> ----- Original Message ----- >> From: "Amar Jain" <amarjain2...@gmail.com> >> To: <accessindia@accessindia.org.in> >> Sent: Sunday, March 25, 2012 10:34 PM >> Subject: Re: [AI] levy or processing fee is being charged by payment >> gateway >> >> >> There is nothing which stops payment gateways from charging processing >> fee. And specially if you are using credit card, many sites charge you >> some % extra as a transaction charge. And after the latest budget, >> credit card transactions are taxable. So really speaking, complaining >> about these extra charges will get you nothing. >> For example, if you have booked coins from Kolkata mint, then they >> charge you extra as transaction fee. >> If you recharge using eazymobilerecharge, then 2 Rupees for using >> cards is charged. >> As far as security of transactions is concerned, after 2011 circular >> of RBI wherein the use of one time password and other steps are taken >> by RBI to secure card transactions, there is no extra risk involved in >> using cards. Previously when cards relied only on CVV and other >> information which was printed on cards, that time it was not very >> secure method of making payments online specially. But now things have >> changed to a great extent. >> >> -- >> Amar Jain. >> Website: www.amarjain.com >> >> >> Search for old postings at: >> http://www.mail-archive.com/accessindia@accessindia.org.in/ >> >> To unsubscribe send a message to >> accessindia-requ...@accessindia.org.in >> with the subject unsubscribe. >> >> To change your subscription to digest mode or make any other changes, >> please >> visit the list home page at >> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in >> >> >> >> >> Search for old postings at: >> http://www.mail-archive.com/accessindia@accessindia.org.in/ >> >> To unsubscribe send a message to >> accessindia-requ...@accessindia.org.in >> with the subject unsubscribe. >> >> To change your subscription to digest mode or make any other changes, >> please visit the list home page at >> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in >> > > > > Search for old postings at: > http://www.mail-archive.com/accessindia@accessindia.org.in/ > > To unsubscribe send a message to > accessindia-requ...@accessindia.org.in > with the subject unsubscribe. > > To change your subscription to digest mode or make any other changes, > please > visit the list home page at > http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in > > > > > Search for old postings at: > http://www.mail-archive.com/accessindia@accessindia.org.in/ > > To unsubscribe send a message to > accessindia-requ...@accessindia.org.in > with the subject unsubscribe. > > To change your subscription to digest mode or make any other changes, > please visit the list home page at > http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in > > Search for old postings at: http://www.mail-archive.com/accessindia@accessindia.org.in/ To unsubscribe send a message to accessindia-requ...@accessindia.org.in with the subject unsubscribe. To change your subscription to digest mode or make any other changes, please visit the list home page at http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in Search for old postings at: http://www.mail-archive.com/accessindia@accessindia.org.in/ To unsubscribe send a message to accessindia-requ...@accessindia.org.in with the subject unsubscribe. To change your subscription to digest mode or make any other changes, please visit the list home page at http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in
