If you are planning to make the payment by credit card issued in India,please make sure that the card is Verified by Visa & MasterCard SecureCode

Understand | Why this is required

To make online shopping safer, the RBI has made it mandatory, from 1st August onwards, for all online transactions to have an extra level of authentication. The ‘extra’ level, is a password that you will have to enter after entering your credit/debit card details while making online payments. You will require this ‘extra password’ for transacting on any website in India, including Institute of Sigma Learning. This new technology is called VBV – Verified by Visa or MSC – MasterCard SecureCode.

Register | Your card for VBV or MSC

All you have to do is log on to your bank’s website, register your card for Verified by Visa (or MasterCard SecureCode) and get your password. Each bank has its own process for card registration. So, hop on to your bank’s website and register now:

HDFC Bank	ICICI Bank	Citibank	HSBC Bank
Standard Chartered	State Bank of India	Axis Bank	ABN Amro
Deutsche Bank	Karur Vysya Bank	Bank of Baroda

What about American Express cards?

For Amex cards the ‘extra level of authentication’ will work slightly differently. On the payment step at www.isl.co.in, you will be asked to enter you billing address, which will be passed on to the bank. This will be checked against your billing address the bank has on its records. If the addresses don’t match your payment will be rejected. This technology is called AVS – Address Verification System. Please check your credit card statement if you don’t remember your exact billing address.

What if my bank does not support Verified by Visa / MasterCard SecureCode?

The RBI notification concerns cards issued within India only. If your card is issued outside India, your online transactions will go through even without this extra authentication step (unless your Card Issuer requires SecureCode/VbV authenrtication). If your card is issued in India, we suggest you look for a new bank!

Please Note: Information given in good faith, and explanations herein are as Institute of Sigma Learning’s interpretation. The above is meant as a basic guide for Institute of Sigma Learning’s customers and website visitors. We at Institute of Sigma Learning are not responsible for any direct, indirect or consequential liabilities arising out of your decision to use or act on the above or otherwise.