ANNEXURE-‘A’
Steps to use RuPay Debit Card for online purchases:-
Access merchant website and browse through to purchase a product/service.
E.g. recharging BSNL Mobile Number online using RuPay Debit Card
After entering your mobile number, go to the payment page and choose ‘RuPay Debit
Card’ as your mode of payment under the ‘Payment’ option.
First Transaction (Needs Registration)
1. The Cardholder will have to register his RuPay card for enabling it for e-
Commerce while making the first transaction online.
2. The Cardholder will enter all the correct RuPay card details on the payment
screen viz card number, expiry date and CVD2 (3digits on back of the card).
3. An OTP (One Time Password) will be sent to the cardholder’s mobile
number/email ID registered with the bank. Customer has to choose the option
for delivery of OTP (either Mobile number/e-mail id).
4. Customer has to enter the OTP (One Time Password) received on his mobile
number/email ID registered with the bank.
5. Once the Cardholder is authenticated by OTP, a small frame of random mix of
images will appear. The Cardholder has to select one image. This image has to be
remembered for all the subsequent transactions. This is termed as his
registered image. In case, the image is forgotten the Cardholder has to re-register
once again.
6. The Cardholder will also be asked to enter a phrase (up to max 40 characters) and
remember the same for identification in future transactions.
7. The Cardholder will then be shown a scrambling PIN pad page. This page will look
like the design of the RuPay card that the cardholder is using. This page will also
display last four digits of the card number (rest of the digits are masked).The
Cardholder will have to enter his correct ATM PIN using mouse clicks only; key
board entry is not permitted. This PIN pad shuffles each time a digit is entered,
thus giving an additional security feature.
8. The transaction will be successful once the correct ATM PIN has been entered
using the scrambling PIN pad and the transaction has been approved by the
bank post which a success page will be displayed to the Cardholder.
Subsequent Transaction (Post Successful Registration Transaction)
1. On the merchant check-out page, the customer has to enter correct RuPay card
information requested viz. card number, expiry date ad CVD (last 3 digits on
reverse of the card).
2. Once the details of a registered RuPay card have been entered the customer will
be directly routed to the image selection page for cardholder validation.
Note: OTP is required only at the time of fresh registration of RuPay Card or at the
time of re-registration of the card. In this case, Card is already registered; hence
OTP step will be eliminated.
3. The Cardholder will have to identify the correct image (the one that was registered
during the first transaction) out of 20 random images displayed.
4. In the next screen after selecting the correct image the Cardholder will be displayed
the ‘phrase’ that he had entered during registration along with the last three online
transactions using PaySecure made on the ‘RuPay Debit Card’. The Cardholder will
have to acknowledge the same to proceed to the next step.
5. The Cardholder will then be shown a scrambling PIN pad page that will be a bank
themed (i.e. the page will look exactly like the design of the RuPay card being
used). The Cardholder will have to enter his correct ATM PIN using mouse clicks.
The uniqueness is the PIN pad will shuffle each time a digit is entered giving an
additional security feature. Once the correct PIN digits have been entered click
‘Submit’.
6. The transaction will be successful once the correct ATM PIN has been entered and
the bank approves the transaction post which a success page will be displayed to
the customer.
In case, the Cardholder has forgotten the registered image or phrase the card can
be re-registered for entering new details.
