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How secure it is to pay through credit cards
on our site?

We receive payments through CCAvenue which is a  secure site

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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Handling the customers' sensitive data

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.

Our customers' entire credit card Authorization is done using ICICI E-PAYMENTS LTD.(PAYSEAL) High End Secure Payment Gateway.

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.

Secure technologies for CCAvenue's server

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).


CCAvenue uses industry-standard SSL (Standard Sockets Layer) Technology, which is used worldwide, for this data encryption.


CCAvenue also follows strict in-house security guidelines for ensuring confidentiality of our customer information.


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:


Risk Management Rules and Parameters.


Negative Files.


Risk Management Queries, thereby making our E-commerce transactions safe and confidential.

Internationally Certified Security standards

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)

Added security

What is Card Verification Method (CVM)?

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. 

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.

Why CVM?

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.

Securing our customers

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.

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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