How to Use RuPay Card for Online Purchases: Enter Card Details & OTP
How to Make Online Payment Using RuPay Card
There are many benefits of RuPay card and using it for online purchase is one of them. Online transactions using RuPay can be done through PaySecure, a secured payment service subject to the condition that customer has successfully registered with PaySecure by successfully transacting for the first time. Debit card holders can make use of this card for paying monthly bills, buy products online etc.
Online Transaction – First Time Transaction
Internet transactions using RuPay card is very simple as it does not require a separate registration. It is a two step process: Enter card details and OTP.
So here are the steps on how to use RuPay card for online purchases for the first time in order to get registered with PaySecure:
- Once the user is on the payment screen of the issuer, customer authentication request is sent. Authorization can be done via net banking/OTP/challenging questions.
- For payments via netbanking, user needs to enter login details and in case of OTP, code would be sent to the registered mobile number or E-mail address. In case of verification via challenging question, user needs to answer the necessary question. Request for new OTP should be made for every new transaction. In case, you don’t receive the OTP in the first attempt then second attempt should be made.
- Upon entering details as mentioned in step-2, issuer will then send payment success response to the user.
- After this, National Payments Corporation of India (NCPI) will open page for: selecting the image and entering a phrase. You have to always remember the image selected and the phrase because these two details are required while making any future online payments. Once this step is done, RuPay card gets registered for online use.
- User then needs to enter the ATM PIN after which the transaction details are submitted and money would be debited from the cardholder’s account. This will complete the transaction.
Latest update on RuPay (18Feb2015) – Virtual RuPay Card to be launched soon by NPCI. On 24March2015, IRCTC RuPay Pre-Paid Debit card was launched for booking railway tickets.
Online Transaction – Future Transactions
Once you have successfully done the first transaction, you get automatically registered with PaySecure. And for all the future transactions the online purchase is very simple as follows:
- As a primary validation, the image and phrase registered in the step-4 above should be identified.
- For combating the phishing attack, you have to then acknowledge the last 3 transactions which are displayed on the payments screen. In case the last 3 transactions are displayed incorrectly, then you need to cancel the transaction immediately.
Note:
- While making online purchase using RuPay debit card, ATM pin should be used.
- In case of loss of card or PIN, you should contact card issuing bank to re-issue the same
- If you forget the image and phrase, then you need to again register RuPay card with PaySecure as mentioned in the steps above.
Also read eligibility criteria for RuPay card and how you can get RuPay debit card under Jan Dhan Yojana.
Summary of features:
- Transaction processing is very fast as card holder needs to just enter card details and OTP.
- The whole process is extremely secured and uses technology mandated by Reserve Bank of India.
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Subodh
For Payments what option should be taken for Rupayee Card
as for filling online form payments there is no option for rupayee card
Akhil G M
very very pathetic card service really annoying
Sudesh
“Bank has denied transaction on this card” comes every time I use this RuPay card. I called phone banking they told me to register on RuPay 3D secure. Even after registering on 3D secure it is not working. This RuPay card is a big fail.
Harman Preet Singh
Rupay Card is not working? Pls help!
Anant Jha
To register rupay card you need to go your banks transaction step, where it will ask you for rupay card phrase regsitration/forgot rupay registration if you have done previously.
chalapathi
where i want to register rupay card specific site pls for registration
Shashikant jadhav
Thanks for this post
Sir,
I am successfully using my rupay debit card for online shopping.but
How to change phrase at the time of transaction using rupay debit card?
Thank you
MH
RuPay Debit card is the worst card ever. Nothing done through this card in online service. And the fact is that it is not international.
shashikant jadhav
Hi,
Thanks for this post very useful. Can u tell me a step by step process for how to withdraw money from bank of maharashtra ATM machine using rupay card.
Thanks…
Reddy
Rupay card is not working online payments wat shud I do????
nilesh prakash chaudhari
I received rupay card from bank of Maharashtra and on this card my name not written so how i do online transaction
RAKESH JOHRI
when i am doing transaction the error message come ie,bank has denied my transaction everytime what to do it is rupay card
Raj
Same here.. I am too getting the same error on IOB RuPay and their bank’s 24/7 customer service is not providing any help regarding this..
Now i can use the card only for ATM withdrawal..
RuPay is a fail!!
abhinav
when i am doing transaction the error message come ie,bank has denied my transaction everytime what to do it is rupay card
Manju
I cant use Rupay card for many of my online bill payments…
only few websites have Rupay card options…
Is there any other option to make payment
kunal
In how many days it reaches to us
Gorakh kumar
Hello can u please tell me which sites is doing well on Rupay card
MUNNILAL
SIR RUPE CARD KITNE DINO ME MILTA HA
ryan smythe
if you think you are from another bank then try registering online for secure services
ryan smythe
same problem here.
i have a new banks’ atm card which supoorts secure service for mastercards only and not rupay cards and 3d secure is must. so best thing is to wait for some time so that rupay debit cards are also supported for secure services.
karthik
Bank is denied your transaction this can be displayed in my all transaction in rupay card how to transact please help me