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How secure it is to pay through credit cards
on our site? |
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We
receive payments through
CCAvenue which is a  secure site
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Security
of our customers is a key concern for us when they are
transacting online. At
howisyourdaytoday.com, we have ensured
you have no worries on this front as you order and pay us
online.
We have tied up with
CCAvenue
to accept payments on our website. Listed here are
CCAvenue's key
security measures: |
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You may
also pay through |
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Handling
the customers' sensitive data |
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CCAvenue
adopts stringent security measures to ensure that
critically sensitive information, such as our
customer's personal information and their credit
card details, are protected. |
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Our
customers' entire credit card Authorization is
done using ICICI E-PAYMENTS LTD.(PAYSEAL) High End
Secure Payment Gateway. |
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Our
customers enter all their personal information and
credit card details on CCAvenue's secure server
and the same is encrypted before it is transmitted
over the Internet to the PAYSEAL payment gateway.
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Secure
technologies for CCAvenue's server |
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CCAvenue's
server is behind security firewalls to ensure
maximum protection of our customer's details.
This guarantees that your information is
inaccessible to any third party (your credit card
details are not transmitted to even us).
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CCAvenue
uses industry-standard SSL (Standard Sockets
Layer) Technology, which is used worldwide, for
this data encryption. |
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CCAvenue
also follows strict in-house security guidelines
for ensuring confidentiality of our customer
information. |
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Since
the Payment Gateway application software is
maintained at PAYSEAL'S secure high end server,
new payment technologies, standards and features
are automatically implemented as they emerge.
PAYSEAL'S payment gateway is integrated with risk
management component, which empowers them with the
ability to control risk effectively. These robust
risk management tools and fraud filters include:
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Risk Management Rules and Parameters. |
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Negative Files. |
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Risk Management Queries, thereby making our
E-commerce transactions safe and
confidential. |
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Internationally
Certified Security standards |
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CCAvenue
is registered with Verisign, the world's best and most
trust worthy Net Authentication Agency.
Click
here to verify their certificate.
(The certificate url needs updating after 22nd May 2004)
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Added
security |
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What is Card Verification
Method (CVM)? |
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The
Card Verification Method, or CVM , consists of a 3 or
4-digit numeric code that is printed at the back of the
credit card along with (after) the credit card number,
where the card holder signs in his signature on the
card. This
additional 3 or 4 digit numeric code is not embossed on
the card nor available in the magnetic stripe. |
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This
additional 3 or 4 digit is code is featured /
incorporated on all Master Cards and Visa cards issued
worldwide, including cards 'Valid only in India and
Nepal'. Visa calls this security feature as CVV2 and
Master Card calls it as CVC2.
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Why CVM? |
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The
purpose of CVM is to ensure that the person submitting
the transaction is in possession of the actual card,
since the code cannot be copied from charge slips /
receipts or skimmed from the magnetic band. CCAvenue
requests our customer to provide this numeric code for
your order and submits it with the authorization through
the Citibank gateway. The card processor (i.e. Visa or
Master Card) will then validate the code supplied with
the number on record for the specific card, and return a
match/no-match response. |
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Securing
our customers |
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According
to a Gartner Group survey, 98% of the credit card
numbers that the hackers / fraudsters are able to
collect, are through charge slips thrown away by
retailers / restaurants / Shopping Malls etc., which
contains the Card Holder's Name, the 15 or 16 digit
credit card number and the expiry date. This extra 3 or
4 digit numeric code is not printed anywhere in the
charge slip. Therefore the hackers / fraudsters cannot
use these credit card numbers on CVM-validated
transactions.
World Wide statistics have shown that fraud rates on
transactions with verified CVM codes have been
significantly lower than those for transactions without
CVM (fraud rates on CVM-validated transaction are
reportedly 90% lower than those for non-CVM
transactions). The Card Verification Method process
is an expensive proposition for the payment gateways and
is therefore not incorporated by any Payment gateway in
India with the sole exception of Citibank. |
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Credit
cards bearing inscription - "VALID IN INDIA & NEPAL
ONLY" are also accepted.
We accept
these credit cards, along with the globally valid ones. |
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You may also make payments through |
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