Security is a
key concern for all parties when transacting online business.
At IndiaCore, we have ensured our customer's have no worries
on this front. Our customers' entire Credit Card/ Debit
Card/ Net Banking authorization is done through High
End Secure Payment Gateway. Listed here are key security measures
of our online payment gateway:
Payment Gateway is VeriSign 128 bit
Your online payment is processed by our online
payment gateway provider on their secure servers with SSL
technology. SSL (Secure Socket Layer) is a 128 bit encryption
which is used by most secure payment gateways and ensures
that the information or communication cannot be intercepted
during transmission by a hacker/ unauthorised user.
The customers enter all their personal information and Credit
Card/ Debit Card/ Net Banking details on the secure server
and the same is encrypted before it is transmitted over the
Internet to the payment gateway.
Handling our customers' sensitive data
We adopt stringent security measures to ensure
that critically sensitive information, such as your personal
information and Credit Card/ Debit Card/ Net Banking
details, are protected.
Your details are not stored online on our website and therefore
can never be hacked.
Secure technologies for payment
The payment gateway server is behind security
firewalls to ensure maximum protection of our customer's details.
This guarantees that your information is inaccessible to any
IndiaCore also follows strict in-house security guidelines
for ensuring confidentiality of our customer information.
Since the Payment Gateway application software is maintained
at the Bank's secure high end server, new payment technologies,
standards and features are automatically implemented as they
The 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:
1) Risk Management Rules and Parameters.
2) Negative Files
3) Risk Management Queries, thereby making your E-commerce
transactions safe and confidential.
Internationally Certified Security Standards
Our payment gateway is registered with Verisign,
the world's best and most trust worthy Net Authentication
Added Security Features
Card Verification Method (CVM)
Our payment gateway incorporates 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 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.
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. Our payment gateway requests our customers
to provide this numeric code for their order and submits it
with the authorization through the Bank 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.
Worldwide 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 incorporated only in few gateways.