Asked Questions - Verified by Visa
is Verified By Visa?
Verified by Visa
is a new way to add safety when you buy online that will let you use a personal
password with your Tamilnad Mercantile Bank Ltd Visa card, giving
you added assurance that only authorized person can use Tamilnad Mercantile Bank Ltd Visa card to make purchases over the Internet.
Simply register your Card and choose a Personal Password. The process is simple
to use and secure:
To use the
facility, you should Connect to the Internet and
using your Tamilnad Mercantile Bank Ltd Visa card
official website (www.tmb.in) and complete the
Registration process online.
You don't need any special software to use
Verified by Visa.
facility is as easy as using a PIN for ATM transactions.
Why should I
register for Verified by Visa?
It allows you to
get an extra layer of security when you shop online at participating online
merchants. When you enter correctly your VbV code,
you confirm that you are the authorized cardholder and your purchase is
completed. If an incorrect VbV code is entered, the
purchase will not be completed. Even if someone knows your card number, the
purchase cannot be completed without your VbV code at
a participating online retailer.
How much does
Verified by Visa cost?
Verified by Visa
is free to Tamilnad Mercantile Bank Ltd Cardholders.
Verified by Visa protect me?
Since your Tamilnad Mercantile Bank Ltd Visa card is
protected by your personal password, only you can use your Tamilnad Mercantile Bank Ltd Visa card to make purchases online.
Verified by Visa work?
Verified by Visa
allows you to create your password to protect your online transactions, just
like you use your PIN at an ATM. Here are the steps:
Select the goods
or services you want from a Verified by Visa online store and proceed to the
payment details and your Tamilnad Mercantile Bank Ltd Visa Card number
and the online store will connect with Tamilnad Mercantile
Bank Ltd to check whether your Card is secured with Verified by Visa.
Tamilnad Mercantile Bank
Ltd initiates a
Verified by Visa pop-up window on your computer screen that includes your
Look for and
confirm your Personal Message, then enter your password. Tamilnad Mercantile Bank Ltd will then confirm your identity to the
Your payment is
authorized and your order is placed. It's that simple!
Can I use
Verified by Visa from any computer?
Yes. One of the
great advantages of Verified by Visa is that you can use it from any computer
connected to the Internet.
Do I need any
special equipment or software on my computer?
All you need is
an Internet connection and Internet explorer 6.0 and above, or Firefox 2.0 and
above, or Google Chrome 2.0 and above. To find out whether
your browser is compatible, go to the "Help" menu in the upper right
of your browser and select the "About" option. It should tell
you what version is installed on your computer. For better security
please use latest version of your favorite browser.
How do I know
that my information will be kept private?
Tamilnad Mercantile Bank
Ltd recognizes our
obligation to keep information about you secure and confidential. Your
information is transmitted using a high level of encryption. We only keep the
information necessary to offer the service, which we store on a secure server.
What are the
terms and conditions for using this service?
The terms and
conditions are provided for you to read and accept before you begin to register
your Tamilnad Mercantile Bank Ltd Visa card.
Registering Your Card
register with my existing Tamilnad Mercantile Bank
Ltd Visa card
or do I need to apply for a new one?
Yes, you can
register with Verified by Visa using your existing Tamilnad Mercantile Bank Ltd Visa Debit card with your ATM PIN.
register with more than one Tamilnad Mercantile Bank
Yes, you can
register one or all of your Tamilnad Mercantile
Bank Ltd Visa Debit Cards starting with BINs
463795 (first six digits of the cards).
What do I do
when I'm issued a new card?
If your new card
is a renewal card (same number as the old one) you don't have to do anything to
stay registered. If, however, your card number changes, you will need to
re-register in the program with your new card number & details.
I have an Add-on card. Does the person
who holds the Add-on card have to register their card separately or can we
share a Verified by Visa Password?
We do not recommend
sharing your Personal Password with anyone. The Add-on cardholder would have to
register separately for Verified by Visa and create his/her own Personal
Password. This increases the security of your Verified by Visa online
How do I register
my Tamilnad Mercantile Bank Ltd Visa card?
You need to
register for the service through the Tamilnad Mercantile
Bank Ltd Website (www.tmb.in) at any time
during online purchase.
What does my
Verified By Visa Password have to be made up of?
Your Verified by Visa
Password must be
between 8 to 12 characters in length and alphanumeric
have at least 1 number and 1 alphabet.
Password is case
Password may contain
special characters, except &<>\"%;()+\\?.
Spaces are not
allowed in between Password
cannot be the same as that of your previous 3 password(s)
register my non-Visa payment cards with Verified by Visa?
Verified by Visa is only offered to Visa card.
If I register
two or more Tamilnad Mercantile Bank Ltd Cards, can I set
the Verified by Visa Password to be the same for all the Cards I register?
When you register with Verified by Visa you
will be asked to create a Personal Password only for the Card that you are
registering. This password allows you to make online purchases from
participating Verified by Visa merchants using only that particular card. It is
up to you to use the same password for your other Cards as well. Keep in mind
that while consolidating passwords may be more convenient, it can also be less
secure. It is your responsibility to protect your Personal Password.
What steps should I take to ensure that
my Verified by Visa Password is strong and difficult to guess?
You may practice
due precautions and few of them are as under:-
Avoid using a
Personal Password that is easy to guess, such as your name. Also avoid using a
Password that you have already used elsewhere. Keep in mind that while
consolidating passwords may be more convenient, it can also be less secure. It
is your responsibility to protect your Password.
Personal Password should be something that is easy for you to remember but
difficult for anyone else to guess. Never write down your Password in a place
that could be easily located. Never share your Password with others. You may
even choose to change your Password periodically.
What is a
When you register
for Verified by Visa, you may be asked to create a Personal Message. When you
pay online, always look for this Personal Message to ensure that Tamilnad Mercantile Bank Ltd is authenticating
Can I set my Personal Message to be the
same as my Verified by Visa Personal Password?
Your Personal Message and your Personal
Password must not be the same, to ensure your security.
What if I
need help to register my Tamilnad Mercantile Bank Ltd Visa card?
If you need help
registering your Tamilnad Mercantile Bank Ltd card, you can
contact Tamilnad Mercantile Bank Ltd Customer Service at
Phone Number(s) 91-44-26223106, 26223109 or email at firstname.lastname@example.org
Using Verified by Visa
How will the
online store know that I have Verified by Visa?
online stores will automatically recognize your Tamilnad Mercantile Bank Ltd Visa card number if you have registered it for
Verified by Visa.
Where will I
be able to shop using Verified by Visa?
Look for the
verified by VISA mark on participating online stores. You can shop at any
online store that has the Verified by Visa symbol. Look for the Verified by
Visa mark on participating online stores or check the list of current
participants on your local Visa site. You will see the display of the
Verified by Visa symbol on the website. Look for this logo when shopping online
Reserve Bank of India, all e-commerce merchants in India must implement this
second level authentication by August 1, 2009. Verified by Visa is the service
that merchants will be using for all Visa card transactions and hence you would
be required to use your Verified by Visa Personal Password at all online
merchants from August 1, 2009.
register, how long does it take for Verified by Visa to become active on my
process is completely online and instantly completed. Your registration
successful message is displayed at the end of the registration process and you
can start using the facility to shop securely on the Internet straightaway.
happen when I go to pay online?
When you finish
shopping at a participating Verified by Visa merchant, proceed to the
merchant's check-out page. After you enter your registered Tamilnad Mercantile Bank Ltd Card number and submit your purchase, your
Verified by Visa 3D Secure payment window will appear.
First, look for your Personal Message. Confirm that it is correct and then,
enter your Password and choose Submit
Can I get the benefit of Verified by Visa
security at online stores that are not participating in the service?
No. Tamilnad Mercantile Bank Ltd 3D-Secure Service
is available at only Verified by Visa websites.
What happens if I shop at a Verified by
Visa merchant website while I'm not registered for this feature?
You will be
prompted for online registration for Verified by Visa by Tamilnad Mercantile Bank Ltd. You would need to authenticate yourself with
your Tamilnad Mercantile Bank Ltd debit card number, ATM
PIN and DOB details and then create your 3D Secure VbV
password. You can choose your password to be used for Verified by Visa.
you can continue shopping on the merchant website. It is
mandatory for you to register for the service and use password
for authentication of online transaction as per RBI guidelines w.e.f. 1st August 2009.
Once I sign
up for Verified by Visa, will I enter my Password wherever I shop?
your Verified by Visa Personal Password only when making an online purchase.
if I cancel my Tamilnad Mercantile Bank Ltd Card and then get a
new one with a different card number?
You will need to
register the new Card for the Verified by Visa service.
What if I forget my password or wish to
change my password?
If you forget
your password or wish to change your password, you may reset your password
using "Forgot password" option in the login page of VBV
or you may
choose to visit bank website (www.tmb.in) to reach the same website.
may change password while shopping by clicking on the forgot
password link in the same website shown to make payment after the purchase.
prompts you to enter your debit card number, ATM PIN and Date of Birth and
after validating the same proceed to permit you to change the password.
How do I change the mobile number/email
address that I have selected for use with Verified by Visa correspondence?
Tamilnad Mercantile Bank
Ltd Verified by
Visa service uses the mobile number and e-mail address that you have updated
with Tamilnad Mercantile Bank Ltd for all its communication.
To make a change in the Verified by Visa e-mail or mobile number, you have to
contact your account branch (where you are maintaining your account) in Tamilnad Mercantile Bank Ltd.
What happens if my Card is lost or
stolen? Do I have to re-register with the Verified by Visa service when I
receive a new Card?
To report your
Card lost or stolen, call Tamilnad Mercantile
Bank Ltd Customer Care or ATM Cell. Since you have registered your Card
with Verified by Visa, you have reduced the chance for online fraud on your
Card. You will be required to re-register your new Card number.
If I suspect someone has stolen my
password or used it to make fraudulent purchases, what should I do?
If you also feel
that your Card number has been compromised and may be used fraudulently, you
should immediately contact Tamilnad Mercantile
Bank Ltd Customer Care, ATMCELL or Any Branch by
email or by phone at 91-44-26223106, 26223109 and report your card as lost or
Whom should I call if the goods I
purchase using the Verified by Visa service do not arrive, are damaged, or are
attempt to correct the problem should be to contact the merchant with whom you
placed the order. Almost all online merchants have return policies and
instructions posted on their web sites. Customer service phone numbers and
email addresses are also easily accessible on the merchants’ site. Most online
merchants will do their best to correct the problem in a timely manner. If the
merchant fails to resolve the issue, you can dispute a transaction according to
the terms and conditions of the card you used to make the purchase.
If you have any
questions, please feel free to call us at the nearest Customer Service Centre
or ATM Cell or email us at email@example.com
OR by phone at 91-44-26223106, 26223109.