3D Secure is a
service facilitated by VISA and MasterCard that
lets you transact online securely using your
Credit Card. This service is available only
on 3D Secure merchant sites.
•
Verified by Visa (VBV) /MasterCard SecureCode
(MSC), introduces password protection during
an Internet purchase to authenticate the
customer.
•
The goal of VBV/MSC is to create the same
trust and confidence amongst merchants and
customers that exist in a face to face shopping
environment.
VBV/MSC
provides added assurance by authenticating you
while using your
Standard Chartered Bank Visa/MasterCard to make
payments online. You can be assured that any
online merchant giving VBV/MSC service is a
legitimate commercial entity. A private code
means added protection against unauthorised
use of your Credit Card when you make payments
online.
VBV/MSC protects your existing Visa/MasterCard
with a password you create, giving you assurance
that you and only you can use your Visa/Master
Card for electronic payments. The added protection
of VBV/MSC is available as soon as the Bank
confirms that your registration is successful.
Once I register, how long does it take for VBV/MSC
to become active for my Card?
The
functionality of VBV/MSC is made available as
soon as your registration is successful. You
can use your password to log in to any 3D Secure
online site to make transactions.
Do I have to register for all my Cards separately?
Registration needs to be done for all Cards
individually. For example, if you have 2 Credit
Cards, you would need to register separately
for each Card. You can choose to have the same
password or different passwords for all your
Cards as per your convenience.
Yes,
you can register all types of Credit Cards.
Cards which are in blocked status alone cannot
be registered. For Supplementary Cards, please
note that the date of birth that needs to be
entered is that of the Primary Cardholder.
Can I do a Credit Card transaction without registering
for VBV/MSC?
It is mandatory to register
for 3D Secure before proceeding with any online
transaction. You can directly register from
a 3D Secure merchant website while doing a transaction
online or through Standard Chartered Bank’s
public website at http://www.standardchartered.com/ph
When
you register for either VBV or MSC, you will
be asked to create a password or SecureCode
respectively. You are requested to enter your
password / SecureCode each time you make an
online purchase. For security reasons, please
do not use your names, birthdays, ATM/Phone
Banking/Personal Internet Banking PIN and/or
User ID as your password/SecureCode. Memorise
your password. Never write it down or reveal
it to anyone.
Will I need to register each time I do an online
transaction?
No, registration is a
one-time activity for a particular Card. Once
a Card is registered, for all subsequent transactions
only the password needs to be provided to authenticate
the transaction.
You
can go to the “Account Assistant”
tab on the “Register Now for Verified
by Visa/MasterCard SecureCode” link on
www.standardchartered.com/ph and change the
password.
What if I forget the password that I used while
registering?
Enter the Card number
and click on the “Forget your Password”
tab on the “Register Now for VBV/MSC”
link at www.standardchartered.com/ph and reset
the same by entering the expiry date, date of
birth and CVV/CVC2 for Credit Cards.
While registering, what could be wrong if I am
getting a message stating “Registration
failed, please contact Standard Chartered Contact
Centre”?
You need to check if the
data updated (eg: card number, expiry date,
date of birth and CVV/CVC2) is correct. If the
correct data has been updated and the same message
is still displayed, please contact our Contact
Centre.
Though I am registered for VBV/MSC, when I did
a Credit Card internet transaction, I was not
asked to provide my password.
If the
merchant is not 3D Secure compliant, you will
not be asked for your password, only 3D Secure
merchant sites will ask for the 3D Secure password.
What is the use of PAM (Personal Assurance Message)?
When you register for VBV/MSC at www.standardchartered.com/ph,
you will be asked to create a Personal Assurance
message (PAM). This Personal Assurance message
will be displayed every time you transact on
a 3D Secure merchant site. The merchant site
is an authentic site only if the same Personal
Assurance message is displayed.
Please note that if you register for 3D Secure
during online shopping, a Personal Assurance
message will be automatically created for you.
We recommend that you change your PAM by visiting
www.standardchartered.com/ph.
