RBI has mandated that all the e-commerce transactions initiated with card not present scenario

should be supported with additional authentication (2FA) which should be the information not
available on the face of the card. IDBI Bank Debit Cardholders are conveniently able to use their
IDBI Bank Debit Cards for online transactions like online shopping, online booking of air, rail and
movie tickets, bill payments, etc, with additional security. The cardholder needs to necessarily
register his/her card and create a 3D secure password before carrying out an e-commerce
transaction.
In the recent past, it has been observed that during the ATM attacks, the customers Debit card
details along with the ATM PIN are being collected by the fraudsters and the same has been
used for online transactions. In order to minimize the risk of fraudulent registration and
generating new password by opting forgot password, One Time Password (OTP) as an
additional security layer has been introduced which will be sent to the cardholders registered
mobile number, to which the fraudster will not have an access and hence will reduce the risk
associated with the fraudulent e-com transactions.


FAQs (Frequently Asked questions):
1.) What is OTP (One Time Password)??

OTP is a six digit numeric number which will be sent on your registered mobile no. for
registering / resetting the Password for e-commerce transactions.

If you are a registered user, you can opt for OTP as an alternative second factor
authentication in place of VBV /Secure Code while making the e-commerce transactions.

2.) What is the process to get the OTP and how to use it??

a.) While registering / using the option forgot your Password, you need to enter the
Card no. , expiry date and ATM PIN. After successful verification, OTP will be sent to
your registered mobile no. and after entering the correct OTP, you will be directed
to create the Password.
b.) While making Purchase, if you opt for OTP as second factor authentication, OTP will
be sent to your registered mobile no. which you need to enter to complete the
transaction.

3.) Why we require OTP, is it different from existing VBV / Master Secure Code??

a.) Along with VBV/ Master Secure Code, OTP is an option given to the registered user
to complete the transaction. If you are a registered user, you may use either of
them.

b.) OTP is mandatory for new registrations which will allow you to set your VBV (For
VISA Cardholder) / Master Secure (For MasterCard Holder) password. Also it is
mandatory to generate new password by using forgot password option.

4.) What if I dont receive OTP

OTP will be sent to your registered mobile no. which will be valid for 10 minutes.
If you do not receive the same, you may exercise resend option.

5.) Can I use the same OTP for multiple purchases??
No, one OTP will be valid for one transaction only.
6.) Can I opt out of OTP??

No, the same is mandatory for new registrations and generate new password by using
forgot password option.

Yes, if you are a registered user, then you may opt among OTP / VBV / Secure Code.

7.) What if I entered wrong OTP
If you enter OTP wrongly for three consecutive times for the same transaction, your
card will be blocked for e-commerce transactions. You need to call Customer Care or
wait for 24/48 hours to unblock the same.

8.) Will every website require VBV/MasterCard or OTP for authentication??

3D secure authentication i.e. VBV/MasterCard or OTP is compulsory for all e-commerce
transactions originating from Indian websites.

For International website, if the said website supports 3D secure authentication and you
opt for OTP, you will receive the same.
If the website doesnt support 3D secure authentication, the transaction will be
processed based on the parameters set in our system.


9.) Is OTP chargeable??

No, currently we do not charge for sending OTP.