RuPay is India’s domestic card payment scheme which was launched by National Payment Corporation of India (NPCI). Rupay makes India one of those few countries who has its own domestic card payment scheme. The word RuPay comes from two words Rupee and Payment. Now due to growing online shoppers in India and dominance of MasterCard and Visa payment schemes, it was important for NPCI to allow RuPay customers for doing online transactions. RuPay eCommerce solution, RuPay PaySecure powered by NPCI enables RuPay cards to do online purchases. To avail this facility, cardholders need to do RuPay card registration.
It is mandatory for each card holders to do Rupay card registration to activate online purchasing or any other online transaction facility. By doing this, PaySecure (payment service) provides additional security measures to RuPay card holders.
RuPay card registration steps :
Cardholders can do Rupay card registration during their first time online transaction or by visiting issuing bank official website. Now what you need to do?
First,Â customer authentication- 3 methods are available
- Enter One Time Password (OTP) provided by issuing bank
- Enter internet banking user id and password
- Answering challenge questions or other parameter defined by issuing bank
Then, selection of personal phrase and image and submit by entering ATM PIN
After RuPay card registration you have to identify your image and enter your PIN for any further transaction.
Security Parameters :
Suppose you have visited your nearby shopping mall and you have purchased some groceries. Now you have a card issued by X bank and your merchant’s bank is Y. So how your merchant’s bank will receive the money. Here card payment scheme like RuPay, mastercard, visa will play vital role. They actually work as technology partner. They charge some amount from you for that service . So it is important to make this technical path or gateway secured. Now how much your RuPay card payment scheme is secured? You should know that.
Protection against spammers & phishers – Identify personal phrase and image and proceed for further steps for each transaction.
In addition to that, display of last three transactions is also protect you from spammers and phishers. If any wrong image or transactions are identified then you must stop the transaction and close that browsing window and contact issuing bank officials for clarification.
If you have forgotten your image then you have to register you RuPay card again.
Spammers or phishers collect card holder’s important data by spamming, using malicious websites, sending suspicious emails etc in order to misuse such data which may incur financial or any other losses to that card holder.
Protection against automatic data logging – Each time card holder enter a digit during entering PIN, PIN pad will reshuffle before next entering digit to protect card holders from data logging.
Data logging is a system to monitor a particular process by using a automatic computerized method.
RuPay card registration process is very simple and user friendly. If you have never used any debit / credit card or never did any online transaction, then you may face problem due to lack of confidence. In such case you can contact your bank officials or banks customer care executives for further clarification.