3D Secured is a
service facilitated by VISA and MasterCard that
lets you transact online securely using your
Debit Card. This service is available only
on 3D Secured merchant sites.
•
Verified by Visa (VBV) /MasterCard SecureCode
(MSC), introduces password protection during
an Internet purchase to authenticate the
customer.
•
The goal of VBV/MSC is to create the same
trust and confidence amongst merchants and
customers that exist in a face to face shopping
environment.
VBV/MSC
provides added assurance by authenticating you
while using your
Standard Chartered Bank Visa/MasterCard to make
payments online. You can be assured that any
online merchant giving VBV/MSC service is a
legitimate commercial entity. A private code
means added protection against unauthorised
use of your Debit Card when you make payments
online.
VBV/MSC protects your existing Visa/MasterCard
with a password you create, giving you assurance
that you and only you can use your Visa/Master
Card for electronic payments. The added protection
of VBV/MSC is available as soon as the Bank
confirms that your registration is successful.
Once I register, how long does it take for VBV/MSC
to become active for my Card?
The
functionality of VBV/MSC is made available as
soon as your registration is successful. You
can use your password to log in to any 3D Secured
online site to make transactions.
Do I have to register for all my Cards separately?
Registration needs to be done for all Cards
individually. For example, if you have 2 Debit
Cards, you would need to register separately
for each Card. You can choose to have the same
password or different passwords for all your
Cards as per your convenience.
Can I do a Debit Card transaction without registering
for VBV/MSC?
It is mandatory to register
for 3D Secured before proceeding with any online
transaction. You can directly register from
a 3D Secured merchant website while doing a transaction
online or through Standard Chartered Bank’s
public website at https://www.sc.com/my
When you register for either VBV or MSC, you
will be asked to create a password or SecureCode
respectively. You are requested to enter your
password / SecureCode each time you make an
online purchase. You will have 3 attempts to
key in the correct password / SecureCode.
Thereafter, you will be prompted to reset your
password / SecureCode.
For Debit Cards, you are required to enter
the Expiry Date, CVV/CVC2 for Debit Cards, ATM
PIN and Account Number which the Debit Card
is linked to.
You will have 3 attempts to key in the correct
details failing which the account will be locked.
For security reasons, please do not use your
names, birthdays, ATM/Phone Banking/Personal
Internet Banking PIN and/or User ID as your
password/SecureCode. Memorize your password.
Never write it down or reveal it to anyone.
Will I need to register each time I do an online
transaction?
No, registration is a
one-time activity for a particular Card. Once
a Card is registered, for all subsequent transactions
only the password needs to be provided to authenticate
the transaction.
You
can go to the “Account Assistant” tab on the
“Register Now for Verified by Visa/MasterCard
SecureCode” link on https://www.sc.com/my
and change the password. You will have 6 attempts
to key in the correct password failing
which the account will be locked.
What if I forget the password that I used while
registering?
Enter the Card number
and click on the “Forget your Password” tab
on the “Register Now for VBV/MSC” link at https://www.sc.com/my
and reset the same by entering:
For Debit Cards, you are required to enter
the Expiry Date, CVV/CVC2 for Debit Cards, ATM
PIN and the account number which the Debit Card
is linked to.
You will have 6 attempts to key in the correct
details failing which the account will be locked.
While registering, what could be wrong if I am
getting a message stating “Registration
failed, please contact Standard Chartered Contact
Centre”?
You need to check if the
data updated (eg: for Debit
Cards – Card Number, Expiry Date, CVV/CVC2 and
ATM PIN) is correct.
You will have 6 attempts to key in the correct
details failing which the account will be locked.
If the correct data has been updated and the
same message is still displayed, please contact
our Contact Centre.
During the registration process, what could be
wrong if I am getting a message stating “The
password does not satisfy password policy”?
Check if the password entered matches the password
policy. Password should be a minimum of 6 characters
with at least 1 alphabet and at least 1 numeric
character. eg. Kancil1
Though I am registered for VBV/MSC, when I did
a Debit Card internet transaction, I was not
asked to provide my password.
If the
merchant is not 3D Secured compliant, you will
not be asked for your password, only 3D Secured
merchant sites will ask for the 3D Secured password.
What is the use of PAM (Personal Assurance Message)?
When you register for VBV/MSC at https://www.sc.com/my,
you will be asked to create a Personal Assurance
message (PAM). This Personal Assurance message
will be displayed every time you transact on
a 3D Secured merchant site. The merchant site
is an authentic site only if the same Personal
Assurance message is displayed.
Please note that if you register for 3D Secured
during online shopping, a Personal Assurance
message will be automatically created for you.
We recommend that you change your PAM by visiting
https://www.sc.com/my.
