Credit cards   What is MasterCard SecureCode? What is Verified by Visa? What is meant by a "participating merchant"? How do I know whether a merchant participates in this service? How will the online merchant know that I have activated my card or cards for Secure Internet Shopping? What is activation? What is authentication? What is identification data? How does Secure Internet Shopping protect me? What are the system requirements for Secure Internet Shopping? How will Secure Internet Shopping change the online purchase process? Do I need to apply for a new card to use of this service? Does it matter whether I have a MasterCard or Visa card? I have additional secondary cards linked to my main account. How does that work? Can I change my PIN? What happens if I forget my PIN? Does my Secure Internet Shopping PIN change my ATM PIN or Internet banking customer-selected PIN? What will it cost me? When will the transactions appear on my statement? Can secure transactions be identified on my normal card statement? Must I reactivate if my card has been replaced as a result of it being lost or stolen? Must I reactivate if my card has expired? Can I use the service for mail order and telephone order transactions? What is involved in activation? If prompted to activate when shopping at a participating merchant, how will I know that I am providing my information to you? What are the PIN requirements? What should I do if I suspect that someone has my PIN or has used it to commit online fraud? What if I do not wish to activate my card or cards? Must I still activate my card or cards if I do not shop online? What is MasterCard SecureCode? MasterCard SecureCode is the name of the service provided by MasterCard. It uses personal identity information and PINs to provide added protection against unauthorised use of MasterCard cards when shopping at participating online merchants. Back to top What is Verified by Visa? Verified by Visa is the name of the service provided by Visa. It uses personal PINs and identity information to help protect Visa card numbers against unauthorised use online. Back to top What is meant by a "participating merchant"? It is a merchant that has registered for the MasterCard SecureCode and\or Verified by Visa service. For the service to be 100% secure, it is important for banks that issue cards and acquire the transactions on behalf of merchants are certified for this service. Cardholders and merchants need to participate to ensure complete security. If a merchant is not certified, it is not a participating merchant, and it will not receive the benefit of guaranteed payment. A participating merchant can be located in South Africa or anywhere else in the world. Back to top How do I know whether a merchant participates in this service? Most participating merchants will display the MasterCard SecureCode or Verified by Visa logo on their sites. Even if these logos are not displayed, a merchant may still be a participant and you will be prompted to enter your secret PIN. Back to top How will the online merchant know that I have activated my card or cards for Secure Internet Shopping? When a card that has been activated for Secure Internet Shopping is used at participating online merchants, your card number will be recognised and you will be prompted to enter your PIN to complete the purchase. Back to top What is activation? To shop on the Internet, you are required to activate your card or cards for the service. You will not be able to shop at participating merchants if you have not activated yourself. All relevant Standard Bank credit cards (those that can be used to shop on the Internet) will be enrolled for our Secure Internet Shopping service automatically. You will simply be required to activate yourself before shopping securely online. Back to top What is authentication? Once activated, when you shop online at participating merchants, you will need to authenticate yourself using the secret PIN that you created during activation, before your online shopping transaction will be authorised. We will then confirm that it is you performing the purchase transaction and the participating merchant will receive evidence that the purchase has been authorised and that you have been authenticated. If we are unable to authorise the transaction it will be declined. When shopping at non-participating merchants, you will not be required to authenticate yourself. Back to top What is identification data? It is the type of identification you provided to us when you opened your card account. We will accept the following types of identity: Identity document Passport Voting identity Back to top How does Secure Internet Shopping protect me? When you correctly enter your secret PIN during a transaction at a participating online merchant, you confirm that you are the authorised cardholder and the transaction is then completed. If an incorrect PIN is entered, the transaction will not be completed. Even if someone has your credit card number, the purchase cannot be completed without your PIN provided that you are shopping at a participating merchant. A fraudster will not be able to use an activated card at a participating merchant as they will not know the secret PIN you selected. Your SecureCode CSP is the same as your CSP Back to top What are the system requirements for Secure Internet Shopping? Secure Internet Shopping works with most browsers. However, software that prevents pop-up windows may interfere with the service. No special software is required for this service. Back to top How will Secure Internet Shopping change the online purchase process? The online purchasing process will not change, except that now you will be prompted to enter your PIN during checkout and payment. Back to top Do I need to apply for a new card to use of this service? No, you simply activate your existing card or cards. Back to top Does it matter whether I have a MasterCard or Visa card? No, both types of cards can be activated for Secure Internet Shopping. Back to top I have additional secondary cards linked to my main account. How does that work? Activation is for each card and a PIN is linked to that card during activation. The person whose name the card has been issued in must activate each card. Back to top Can I change my PIN? Yes, by accessing the Secure Internet Shopping and selecting the Customer Service option Log on using your username and PIN Select the option to change your PIN and change it accordingly You will be asked to repeat the new PIN for verification Back to top What happens if I forget my PIN? Call us on +27 11 299 4565 Once you have been verified, your PIN will be reset with a temporary PIN You will be requested to select a new PIN the next time you shop online Back to top Does my Secure Internet Shopping PIN change my ATM PIN or Internet banking customer-selected PIN? No, they are all completely separate. Back to top What will it cost me? There is no charge for using the service. Back to top When will the transactions appear on my statement? As soon as the merchant passes a transaction to us for payment. Back to top Can secure transactions be identified on my normal card statement? No, however, you can access the Customer Service section of Secure Internet Shopping and view all of your secure transactions. Back to top Must I reactivate if my card has been replaced as a result of it being lost or stolen? Yes, you will need to reactivate if your card number changes. Back to top Must I reactivate if my card has expired? No, as the card number does not change. Back to top Can I use the service for mail order and telephone order transactions? No, it is for online purchasing only. Back to top What is involved in activation? Step 1 You direct your Internet browser to the activation screen on our website. Step 2 You follow the prompts to enter your card details, personal information and a personal message, as follows: Card number, without spaces CVC2 number (the last three digits on the signature panel of your card) Expiry date The name embossed on your card Please enter your name exactly as it appears on your card (title, initials and surname) eg. Mr JM Smith. Your ID or passport number A personal message. This is a word or phrase you think up, which can have as many as 30 characters. It will appear every time you use Secure Online Shopping. Step 3 You now follow the prompts to enter: A username, which you choose A secret PIN, which you also choose Your secret PIN, just to check you entered it correctly the first time. Step 4 The activation screen now tells you the process has been completed and you can start Secure Internet Shopping. The steps are very similar if you activate your card when checking out at an online merchant. If you don't hear from us (we may not have your latest contact details), please call us on +27 299 4565 to confirm that it was you who activated the cards. Back to top If prompted to activate when shopping at a participating merchant, how will I know that I am providing my information to you? This process is very secure, however, should you not be comfortable, please call us on +27 11 299 4565 to ensure that you have been activated with us. Back to top What are the PIN requirements? Your customer-selected PIN must be numeric. Your PIN must have five digits. Your PIN should not contain the same number repeated three times in a row, for example, 11132. Your PIN should not be 12345. Your PIN should not be the same as your ATM PIN. For security reasons, please do not use your Internet Banking customer-selected PIN. Back to top What should I do if I suspect that someone has my PIN or has used it to commit online fraud? You contact us on +27 11 299 4565 immediately. It is important to keep your secret PIN secure and do not tell it to anyone. Back to top What if I do not wish to activate my card or cards? To protect your card or cards when using them for online purchasing, you need to activate your cards. You will not be able to shop at participating merchants if you have not activated your card or cards. Back to top Must I still activate my card or cards if I do not shop online? " If you do not shop online, it is recommended that you block your card or cards from Internet shopping by calling us on +27 11 299 4565. This is a security measure to help prevent fraudsters abusing your card or cards on the Internet in the case of identity theft If you do not block your card or cards and a fraudster, who has obtained your card details via unscrupulous means, uses your card to shop online at a non-participating merchant, the transaction will be processed successfully and you will be liable for it. If a non-blocked card is used to purchase online at a participating merchant, a fraudster will be prompted to activate the card, and will be able to use any username and PIN to process fraudulent transactions. Once again, you will be liable for the transactions. A blocked card cannot be used for online purchasing at participating merchants You can unblock your card or cards by calling us, should you wish to activate your card or cards and start shopping on the Internet. Back to top   Disclaimer | Conditions of access | Privacy and security statement