RuPay PaySecure authentication service is powered
by National Payments Corporation of India (NPCI).
All web based transactions on cards enabled for
this service are guided by the Terms and Conditions
("T&Cs") mentioned herein. Please read these
T&Cs carefully before using your electronic
payment card on the RuPay PaySecure solution for
"Card(s)" shall mean RuPay Debit/Prepaid or Credit
cards as issued by the Issuing Bank.
shall mean the owner authorized to perform transaction
on the card issued by an Issuing bank
"we", "us" and "our" refer to NPCI / RuPay PaySecure
solution as the case may be.
data” shall mean the information shared by the cardholder
during the registration transaction viz. Image,
Personalized phrase and PIN.
“Bank” shall mean
the customer’s bank which has issued RuPay Debit/Prepaid
or Credit Card.
About RuPay PaySecure:
RuPay PaySecure provides you an additional level
of security for all online transactions done using
your RuPay cards. Registering your card for RuPay
PaySecure involves providing information to NPCI,
which is then used to confirm your identity during
future online transactions which use RuPay PaySecure.
The platform uses a combination of image & phrase
selection and PIN entry to secure your online experience
using the card. Your registration information (image,
phrase), and other personal information is not shared
with the merchant or Bank.
1. ACCEPTANCE OF TERMS
- a. Usage of RuPay PaySecure is subject to
the T&Cs governing the card transactions as
well as Terms and Conditions applicable to the
Bank Account. Use of PaySecure abides you to
the terms of the solution. The T&Cs can also
be viewed on the mentioned URL: xxx. In addition,
when using RuPay PaySecure, you will be subject
to all guidelines or rules applicable to RuPay
cards and PaySecure that may be posted from
time to time at the (Bank and/or NPCI) web site.
- b. Selection of Image, phrase & PIN entry
using RuPay PaySecure, will confirm acceptance
of RuPay PaySecure T&Cs and the revised versions,
enhancements, modifications of the same.
- c. The cardholder is entirely responsible
for ensuring secure usage/storage of the PaySecure
registration information (image, personalized
phrase and PIN). Cardholder is liable for misuse/
unwarranted disclosure of sensitive information
such as the registration data. NPCI shall not
be responsible for interception/ misuse of PIN/image/phrase
using RuPay PaySecure service. NPCI is not liable
if the registration information is misused due
to any reason whatsoever and or if the terms
and conditions relating to use of this information
are not complied with.
2. CUSTOMER OBLIGATIONS
Customer to provide complete, correct, honest
and current information as required by RuPay PaySecure
in the registration page. If you provide any personal
Data that is untrue, inaccurate, not current or
incomplete, or if there are reasonable grounds to
suspect that the information provided by you is
untrue, inaccurate, not current or incomplete, NPCI
reserves the right to suspend, terminate, or refuse
your current or future use of RuPay PaySecure service.
- The cardholder is required to register his/her
card to be able to use RuPay PaySecure. Card
holder must provide the requested information,
to the Bank/NPCI to validate their identity
and have authorization for the usage of the
Card(s) for transactions on RuPay PaySecure.
- RuPay PaySecure reserves the right to disallow
the customer from registration/usage of the
service in case the information provided by
the customer is incorrect/false. The cardholder
assures that every information entered in the
PaySecure system is true and that they are legally
entitled to use the cards that they register
on the RuPay PaySecure system.
- RuPay PaySecure unregistered cards will
be disallowed from being used at any online
- For all queries related to RuPay PaySecure,
refer to the following URL: xxxx or call your
bank’s customer service numbers
- e. NPCI may enhance the security features
etc. of the RuPay PaySecure solution from time
to time. The T&Cs may be modified for revised
features in the future. Acceptance of these
T&Cs will abide the cardholder for any future
versions of the RuPay PaySecure T&Cs.
- During registration in RuPay PaySecure service,
you may be required to select an authentication
method viz. OTP (One Time Password) or Internet
ID & password, or challenge question/answer
etc. for authenticating with your bank. Along
with that, you would be required to select an
image & enter a phrase when engaging in an online
transaction or registration/other transaction
for which RuPay PaySecure is used. You may be
asked to select the image and approve the phrase
that you had selected during your registration
process before the merchant accepts your Card
in payment for the transaction. If you are unable
to select the correct image or if the authentication
through RuPay PaySecure otherwise fails, the
merchant may not accept your RuPay Card for
payment in that transaction.
- You are successfully registered for RuPay
PaySecure service only after you successfully
complete the entire online transaction for the
- By registering for RuPay PaySecure, you
agree to the use of RuPay PaySecure to evidence
your identity, including the authorization of
transactions authorized in advance to recur
at substantially regular intervals.
- Certain merchant establishments/ Banks at
a later date may provide for any additional
authentication in addition to what has been
requested for. Cardholder will be required to
provide the same accordingly.
5. CONFIDENTIALITY AND SECURITY OF REGISTRATION
Cardholder is liable entirely for maintaining
the confidentiality of the registration information
viz. image, phrase, PIN and other verification information
used on the RuPay PaySecure solution. All activities
that occur using the Registration information or
other verification information supplied to or established
by Cardholder with respect to PaySecure will be
the sole responsibility of the cardholder. Cardholder
is responsible not to share information which enables
access/ usage of RuPay PaySecure to any third party.
Customer should immediately notify the bank of any
unauthorized use of their RuPay PaySecure verification
information, or any other breach of security. The
cardholder agrees that NPCI will not be liable for
any loss or damage arising from failure of Cardholder
to comply with these T&Cs.
6. CONFIDENTIALITY OF CUSTOMER INFORMATION
- Cardholder Registration information will
not be shared with any online merchant establishments
for which RuPay PaySecure is used.
- Cardholder agrees to permit the Bank/NPCI
to store the Registration information in their
databases and are permitted to disclose it if
required to do so by Applicable Law, in good
faith believing that such preservation or disclosure
is permitted by Applicable Law, or as reasonably
necessary to (i) comply with legal process or
(ii) enforce these T&Cs.
7. CARDHOLDER RESPONSIBILITIES
As a RuPay PaySecure user, the cardholder acknowledges
and agrees to the following:
- Ensure confidentiality of PIN and not reveal
it to any third party.
- Keep the image & phrase confidential and
not share with any third party
- Keep the OTP; internet ID & Password or
challenge questions used during registration
process, totally confidential and not reveal
it to any third party
- Ensure the phrase entered during registration
must not be related to any readily accessible
personal data such as name, address, telephone
number, driver license, etc.
- Ensure the Image, Phrase & PIN should not
be written or stored physically or in soft form.
The same should be memorized
- Take necessary precautions to ensure that
the computer device or other device accessing
RuPay PaySecure during transactions is guarded
from all unauthorized access.
The cardholder will NEVER-
- access RuPay PaySecure with false/fake id
or attempt impersonation of any kind;
- hamper the functioning of the RuPay PaySecure
module in any manner of hardware or software
malfunction by use of software viruses or any
other programs or applications;
- intentionally overload the RuPay PaySecure
platform to hamper the service;
- infringe upon the Intellectual Property
rights of the PaySecure solution by attempting
to re-create or re-engineer the solution or
any part of it or the softwares used in connection
with RuPay PaySecure;
- remove any copyright, trademark, or other
proprietary rights notices contained in RuPay
- re-create or use any part of the RuPay PaySecure
service without NPCI's prior written authorization;
- attempt to data mine, unlawfully obtain
information specific to the RuPay PaySecure
solution using any application, or other manual
or automatic device or in any way and re-engineer
or duplicate the user experience similar to
- interfere with the functioning of PaySecure
or its associated hardware/ software by any
- fail adherence to any applicable governing
law, regulation, guidelines or any Terms and
Conditions advised by Bank/NPCI in connection
with use of RuPay PaySecure.
8. Rules of Liability
- NPCI has no liability for cardholder’s internet
access device or password obtaining device (such
as computer or mobile phones etc.) or proper
functioning of its hardware or software before,
during or after the use of RuPay PaySecure.
- NPCI will in its best efforts make the web
service secure from all aspects possible. However,
NPCI will not take liability for any viruses
or unlawful downloads that the cardholder’s
system may be exposed to while he accesses the
internet for using RuPay PaySecure.
- NPCI does not take liability of failed transactions
which are incomplete due to any reason
The RuPay PaySecure solution merely offers card
holders an additional level of security for their
card transactions on their online merchants. RuPay
PaySecure by no means intends to endorse any Merchant
over others. Additionally, NPCI does not guarantee
the cardholder experience with the merchant in terms
of delivery of product, quality etc. NPCI does not
validate the Merchant’s services or offering.
Cardholder’s interaction with the merchant is
independent of governance of RuPay PaySecure rules.
Merchant’s terms of business with the cardholder
with regards to service/ product quality, delivery,
payment, guarantees / warrantees, promotions, discounts
etc. is an understanding between the cardholder
and merchant alone even if the customer used RuPay
PaySecure for authorizing the transaction. In no
event will NPCI be liable for any loss or damage
including without limitation, indirect or consequential
loss or damage, or any loss or damage whatsoever
arising from loss of data or profits arising out
of, or in connection with, the use of this website.
10. Internet Frauds:
The Internet per se is susceptible to a number
of frauds, misuses, hacking and other actions which
could affect use of RuPay PaySecure. Whilst the
Bank and/or NPCI shall aim to provide security to
prevent the same, there cannot be any guarantee
from such Internet frauds, hacking and other actions
which could affect the use of the RuPay PaySecure.
You shall separately evaluate all risks arising
out of the same.
11. Operational Issues :
Every effort is made to keep the website up and
running smoothly. However, NPCI takes no responsibility
for, and will not be liable for, the website being
temporarily unavailable due to operational issues
beyond control of NPCI.
12. NPCI Indemnity:
NPCI should be indemnified against all losses
and damages that may be caused as a consequence
of breach of any of the RuPay PaySecure T&Cs.
13. Discontinuation of RuPay PaySecure:
NPCI reserves the right to discontinue the above
service at any time whatsoever.
I accept the Terms & Conditions, Register Me