Guidelines & Safety Tips for your RuPay Contactless EMV Debit Card
BEFORE YOU BEGIN USING YOUR CARD...
1. Sign on the signature panel at the back of the card.
2. Memorize your PIN and destroy the PIN mailer.
3. Use your new card immediately at any ATM in the NFS network and change the system generated PIN to a new 4-digit number of your choice.
PIN SECURITY
1. Keep your PIN secret.
2. Do not write the PIN on your card.
3. Do not share your PIN with anybody.
3. Never let anyone see you entering your PIN at the ATM. Ensure that you are alone inside the ATM room while making your transactions or cash withdrawals.
4. Always dip your EMV chip card to enjoy enhanced security for your transactions.
5. Not to swipe your EMV chip card at chip enabled terminals to ensure better security.
6. Do not take help from anybody at an ATM.
CARD SECURITY and SAFETY
1. Do not give your card to anyone.
2. Never leave your card unattended. Keep your card in a place where you will immediately know if it is missing.
3. In case of loss or theft of your card, call on our Customer Care No. 08842378427 between 10.00 AM to 02.00 PM and 3.00 PM to 05.30 PM or visit the nearest branch immediately and request for the blocking of your card.
4. Remember that The Kakinada Co-operative Town Bank Ltd., will never ask for any financial / personal / Debit Card related information via email. Hence, never respond to emails seeking such information. They may be fraudulent.
5. Do not bend the card.
6. Do not remove or scratch the magnetic stripe behind the card.
7. If you carry more than one card in your wallet, ensure that their magnetic stripes do not rub against each other.
8. Keep your card away from sunlight, TV sets and magnetic products.
Shopping with your RuPay EMV Debit Card**
Before you begin to shop at a Merchant Establishment, check whether it accepts RuPay cards. If it does, RuPay logo would be displayed at the establishment.
1. Present your card at the billing counter.
2. Your card will be dip at the POS terminal and the amount of your purchase will be entered. The daily purchase limit of your card is indicated at the end of this column.
3. You will be presented with the PIN pad. Enter the same PIN which you use at an ATM to withdraw money.
4. The POS terminal will process your transaction by debiting your account with The Kakinada Co-operative Town Bank Ltd., with the purchase amount (subject to availability of funds in your account) and print a charge slip.
5. Verify that amount on the charge slip is correct and sign the merchant copy.
6. The merchant will return the customer copy of the charge slip and your card. It is a good practice to retain your merchant copy for sometime after the purchase.
Usage of RuPay EMV Debit Card for E-Commerce/Online Transactions:
For First Purchase - Steps - (Online Registration)**
1. Open the merchant website, select the merchandise/services you want to purchase/avail. Click on Next/checkout as given.
2. Select Payment method as RuPay EMV Debit Card.
3. In Payment options - enter the cardholder details on the merchant page and submit the details.
4. RuPay Cardholder receives One Time Password on his mobile which is registered with the bank. Cardholder is redirected to OTP page. He enters this OTP in the space provided.
5. After submitting the OTP, the cardholder would be notified about the success of the transaction. His card is now considered as “registered” for online transaction.
NOTE:
Card/Cardholder will be registered for online transactions only if the transaction is successful.
Know your RuPay EMV Debit Card :
Personal Identification Number (PIN): Confidential 4-digit number for using your card at ATMs and POS terminals.
FRONT OF THE CARD
Debit Card Number: This is your 16-digit Card Number. Please note that you are required to quote this number for all correspondences with your bank.
Your Name: Only you are authorised to use your card. Please check that your name has been correctly printed on your card. If not, then please contact your branch at the earliest. (If your card is an Insta Card, there will be no name printed on it.)
Expiry Date: Your RuPay EMV Debit Card is valid from the day you receive it, up to the last day of the month of the year mentioned on the card.
RuPay Logo: Your RuPay EMV Debit Card is acceptable in India at ATMs and Merchant Establishments displaying RuPay logo.
EMV Chip: The embedded chip in your RuPay EMV Debit Card helps protection against counterfeiting and skimming card frauds.
BACK OF THE CARD
Magnetic Stripe: Important information pertaining to your RuPay EMV Debit Card is encoded here. Please protect the magnetic stripe from getting damaged.
Signature Panel: Please sign on the signature panel immediately on receipt of your card with a non-erasable ball-point pen (preferably black ink).
CVD2: This is a 3-digit number present at the end of the signature panel on the back of the card. An added security feature for CNP (card-not-present) transactions. Cardholder needs to communicate this number for all e-commerce transactions.