Features & Benefits
Make online shopping even more secure with the added power of 6 digit One Time Password (OTP) to protect your credit card payment on the internet/merchant IVR systems (Interactive Voice Response) in India. You will get an OTP on your registered mobile number automatically when you use the card for making online purchases at websites that support verified by VISA or MasterCard® SecureCode™ authentication and /or while using your card on merchant IVR systems *.
Please ensure mobile number’s of Primary & Add on credit cards (if any) are registered with HSBC to avail of authentication via an SMS OTP.
You may update the mobile number in any of the following ways:
- Call HSBC Phone banking Service or
- Send us a Secure message through Personal Internet Banking
- Submit a written request at your nearest HSBC India branch
Primary Credit cardholders can use either the OTP received by SMS or the Securepay password to authenticate the online transaction. To create the Securepay password or the OTP for IVR transactions, primary cardholders will need to login to Personal Internet Banking and access the Securepay menu option and follow the instructions therein to create the password/OTP.
Features and Benefits of card payment online
- An extra level of protection and security for shopping online Easy-to-use service with no software to download
- Acceptance at major websites that accept Visa & MasterCard Credit Cards
How Does Online / IVR Credit Card Payment Work?
To initiate the online transaction, you will be required to enter the following details on the payment page of the website :
- Card number
- Card Expiry date
- CVV2 (the 3 digit number printed on the signature panel at the back of the card)
In addition to the above, some websites may ask you to enter the cardholder name.
Next, you will be required to authenticate the transaction by entering the 6 digit OTP (One Time Password). Please refer the steps below :
- When you are transacting online, the website will open a new window and display a HSBC Verified by Visa (VBV) / 'MasterCard® SecureCode™ authentication screen.
- The transaction details (merchant name, transaction amount, last 4 digits of the card number) will be displayed on the VBV/Securecode authentication screen. Please ensure that the details are accurate.
- Please enter the 6 digit OTP sent to your registered mobile number on the VBV/Securecode authentication screen, to initiate the authentication process. Similarly in case of an IVR transaction, you will be required to enter the 6 digit OTP using the phone keypad. Primary cardholders can enter either the OTP received by SMS or the Securepay password for the online transaction. In case of an IVR transaction, primary cardholders can enter either the OTP created on personal Internet banking or the OTP received by SMS.
- The card details and the authentication results will be processed by our system; subject to correct card details and OTP being entered and the card account having adequate limit, the transaction will be approved.
- On transaction approval, the website will display a payment received acknowledgement. In case of an IVR transaction, the merchant's IVR system may play out a payment acknowledgement message.
- A transaction alert will be sent to your registered mobile number confirming the successful transaction.
You can explore other credit card options and find the one that best suits your needs
Terms and Conditions for HSBC's Verified by VISA - HSBC Credit Card
Terms and Conditions for HSBC's MasterCard® SecureCodeTM
Terms & Conditions
* This service is applicable for only those merchants who are registered with Verified by VISA and/or MasterCard® SecureCodeTM.
If approved, your credit card will be dispatched within 3 weeks. Please contact HSBC Phone Banking, after 3 weeks to know the status of your credit card application.
Issuance of credit card is at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India. All features and benefits are subject to Terms and Conditions. Please refer to the respective web pages to know more details.