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Secure card payments

Shopping with your Axis Bank Debit Card is now even safer!

Purchase transactions made at retail outlets on your Axis Bank Debit Card, also know as Point of Sale (PoS) transactions, are usually validated by signing on the charge slip. However, from 1st July, 2013 onwards, you will need to additionally validate all such transactions by entering your Debit Card's ATM PIN thereby making your shopping experience much safer!

Where & when do I enter my ATM PIN?

You can enter your ATM PIN directly on the Card-Swipe terminals, also known as PoS terminals, that will be present at the sales counters of the retailers. You should enter your ATM PIN when the PoS terminal prompts for it, after you SWIPE your Debit Card at it (or DIP it, in the case of CHIP cards):

Please note: Always enter your ATM PIN on your own. Do not reveal it to anybody else.

Do I need to enter my ATM PIN for all purchase transactions?

Although implementation of the PIN security feature will begin by 1st July, it is expected to happen in a phased manner. Therefore, you may be prompted to enter your ATM PIN only at some terminals.

But on all the terminals where you are prompted for a PIN, it is mandatory for you to enter your ATM PIN. If you fail to do so, your transaction will be declined by the bank.

How do I ensure that my ATM PIN is not misused?
To avoid any misuse of your ATM PIN, please enter the PIN yourself on the POS terminal and do not reveal the same to the merchants or anyone else. Also, it is advisable to take a few necessary precautions while entering your PIN, as mentioned below:
  • Make sure that nobody (salesmen or other customers) is overlooking the POS terminal while you enter your PIN
  • Verify that there are no CCTV cameras directed towards the PIN-pad while you enter your PIN
What If I enter the incorrect ATM PIN while completing the purchase transaction?

If you enter an incorrect ATM PIN, your purchase transaction will be declined by the bank. Entering an incorrect ATM PIN in 3 successive attempts in a day (either at ATM or at POS) will temporarily block your card.

If you have entered wrong ATM PIN before 9:30 pm on a particular day, your card will be automatically unblocked by 9:30 pm. If the wrong entry is made post 9:30 pm, your card will be unblocked at 9:30 pm the following day.

What if I do not have an ATM PIN?

If you do not have your ATM PIN or have forgotten it, you can easily get a duplicate one by calling on our Phone Banking numbers. Please follow the steps below to generate your INSTA ATM PIN

Communication on Insta PIN Process
Step
I
Dial 1860-419-5555, 1860-500-5555
Dial 1 for English
Dial 7 for duplicate PIN
Dial 1 for generating activation code
Input Debit card number, valid upto, registered mobile number and Date of birth
You will receive a message with the activation pass code.
 
Step
II
Dial 1860-419-5555, 1860-500-5555
Dial 1 for English
Dial 7 for duplicate PIN
Dial 2 if you already have activation pass code
Input details of your card
You will receive duplicate PIN

Please be informed that Duplicate PINs are chargeable at Rs. 50 + taxes

What about international PoS transactions?

The PIN feature is currently implemented only in a few countries outside India, like UK and Turkey. In all other countries, you may not be required to enter your ATM PIN for authenticating POS transactions, unless the POS terminal specifically prompts for entering a PIN for completing the transaction.

Verified By Visa

Verified By Visa(VBV)/MasterCard SecureCode is an easy to use, secured online payment service from Axis Bank that lets you shop securely online with your existing Axis Bank Debit Card. This service through a simple checkout process, confirms your identity when you make purchases on the Internet.


Through a personal assurance message it also reassures you of the authenticity of the online store.


For Free Registration, click here.


If you are already registered, to login, click here.


Debit Cards that can be registered to Verified By Visa/MasterCard SecureCode

OneAssist 

About this Service

Axis Bank in association with OneAssist Consumer Solutions Pvt. Ltd brings you an assistance plan to protect and secure all your cards and important documents like driving license and PAN Card in the event of loss, theft, fraud and other emergencies. 

Features
  • 24*7 on call assistance :.One call to block multiple cards from various banks in event of lost/stolen/misplaced wallet.

    OneAssist's 24*7 helpline is 08080 – 333- 333

    Emergency Toll Free no 1800- 407- 333- 333

     

  • Comprehensive Fraud Protection Cover: Provides cover/protection for fraudulent activities committed on cards when they are stolen/misplaced/lost/ by the customer.
  • Free Replacement of PAN & Driving License: Your identity documents like PAN Card and Driving License are replaced free of cost, in event of loss/theft/misplaced wallet.
  • Emergency hotel bill settlement & return ticket assistance: Get financial assistance for settlement of hotel bills and for return ticket in India and abroad along with providing financial support towards tickets in case the customer loses the wallet & cards while travelling outside the city.
  • Blocking Lost Phone Sim Card: Your SIM is blocked to avoid misuse of data, in case a customer misplaces/loses his phone,.
  • Online Data Storage:  Get access to 1GB of free online storage space to store important financial and personal documents in a safe and secured manner, accessible from anywhere in the world.

 

 

The details of the Privilege Plan as offered by One Assist are mentioned below:

 

Features

 

Details

 

24*7 on call assistance

 

OneAssist's 24-hour helpline is 08080 – 333- 333

 

Comprehensive Fraud Protection Cover

Up to 7 days of pre-reporting cover: Upto Rs. 2.5 lacs

Post reporting cover is also provided. : Complete Protection

Emergency hotel bill settlement & return ticket assistance

Emergency Travel Ticketing Assistance: Upto Rs 80000(India) & Rs. 160000(abroad).

Emergency Assistance in Hotel Bill Payment: Upto Rs 80000(India) & Rs. 160000(abroad).

Emergency Cash Assistance: Upto Rs. 25000 in India

Free Replacement Services

PAN Card – Across India

Driving License – Select Cities

Block Lost Sim

Blocking of Sim incase of misplace/lost phone

Safe and Secure Storage

DocuSafe – Online locker to store important documents

Yearly Charges

Rs.1,799

The plan is valid for 1 year and the plan would be on auto renewal unless the customer contacts OneAssist to cancel the renewal. 

How to Apply
  • To know more about the plan, please click here
  • To know more , SMS "1A" to 5676782.

mVisa

About this Service

Axis Bank has associated with Visa to launch mVisa- a unique payment solution, which will help Axis Bank Visa Debit Cardholders to make quick payments just by scanning QR codes available at merchant outlets and on bills etc.


What is mVisa?


mVisa is a card-to-merchant payment service provided as part of Axis Mobile app by registering the Visa Debit Cards for mVisa payment . Cardholders can make instant payment of bills or to merchants. Details of merchant will be in QR code available at the stores and/or printed on bills.


Advantages of mVisa

  • Secure transactions as customers will not have to hand over the card to the merchant
  • Convenient and instant payments
How it works

Registration with mVisa


Customer can register for mVisa on Axis Mobile app using few easy steps as mentioned below:

  • Click on Shop icon on Axis Bank Mobile App
  • Click on Pay with mVisa, scan the QR code and enter your mPIN
  • Select Visa Debit Cards and choose a favorite card which will be displayed by default during any payment with mVisa
  • Click on confirm and enter mPIN to complete the registration

Alternatively, you can register for mVisa by following the steps below


Login--> Menu icon--> My controls--> mVisa


Payment with mVisa


Registered customer can make payment through mVisa using below steps

  • Click on Shop icon on Axis Bank Mobile App
  • Click on Pay with mVisa and scan the QR code
  • Confirm the transaction details and enter mPIN for authentication
  • Select Card for payment
  • Click on check box next to “I Agree”, towards terms and conditions mentioned in the link
  • Click on confirm
  • Transaction confirmation will be displayed on your screen
FAQs
  • What is mVisa?
    mVisa is a unique payment solution available in your Axis Mobile Application. You can make the payment by scanning the QR codes available at the merchant outlets, bills etc. with mVisa
  • How do I use mVisa?
    You can follow below mentioned steps if you are a registered customer
    • Click on Shop icon on Axis Bank Mobile App
    • Click on Pay with mVisa and scan the QR code
    • Confirm the transaction details and enter mPIN for authentication
    • Select Card for payment
    • Click on check box next to “I Agree”, towards terms and conditions mentioned in the link
    • Click on continue , and enter the mPIN for transaction authentication
    • Transaction confirmation will be displayed on your screen
  • Do I need to register for mVisa?
    Yes
  • How do I register for mVisa?
    If you are not registered for mVisa please follow below steps
    • Click on Shop icon on Axis Bank Mobile App
    • Click on Pay with mVisa, scan the QR code and enter your mPIN
    • Select Visa Debit Cards and choose a favorite card which will be displayed by default during any payment with mVisa
    • Click on confirm and enter mPIN to complete the registration

    Alternatively, you can register for mVisa by following the steps below
    Login--> Menu icon--> My controls--> mVisa


  • How do I get mVisa in my Axis Mobile App?
    mVisa solution will be directly available in your Axis Mobile App. Android users need to download/upgrade Axis Mobile from Google Play store. IOS users need to download/upgrade Axis Bank Mobile Banking Application from App Store.
  • Which Cards can I register for mVisa?
    You can register your Axis Bank Visa Debit Cards, linked to your primary account, for using mVisa.
  • How many cards I can register for mVisa?
    There is no limitation on the number of cards you can register for mVisa. You can carry out mVisa transactions up to your Daily Purchase limit.
  • Where can I use mVisa for making payments?
    You can use mVisa for payment at merchant outlets, for paying bills, etc.
  • Is there any extra charge for payment through mVisa?
    No, there are no extra charges on using mVisa for payment.
  • How do I get a confirmation of payment?
    Once your transaction is completed, you will receive a confirmation on your mobile banking app screen.
  • How will I come to know if the transaction was declined while using mVisa?
    You will receive a notification stating that the transaction was declined, on your mobile banking app screen.
  • What will happen to my funds if the transaction was declined and the merchant has not received a confirmation for payment?
    The transaction amount will be deducted from your account on initiation of transaction. Once transaction has been declined/ cancelled, the same amount will be credited back to your account.
  • What should I do if amount has been debited from my account but the merchant has not received any notification for payment?
    You can call our customer care numbers to raise a request for crediting back the amount of the transaction.
  • What should I do if amount has been debited, merchant has received a payment confirmation, but I haven’t received a successful transaction confirmation on my app screen?
    If you have received a deemed acceptance response and merchant has received a successful payment notification, transaction is successfully processed.
  • How many mVisa transactions I can do in a day?
    There is no limit on the number of mVisa transactions you can do in a day.
  • How do I deregister my Cards for mVisa?
    Please follow below steps to deregister a card for mVisa
    • Log in to your Mobile Banking Application using your mPIN
    • Go to the menu icon available on the left side of the home page
    • Click on My controls option.
    • Click on mVisa
    • Click on Manage/ Deregister Cards
    • Select the cards to be deregistered.
    • Click on Deregister Cards tab to deregister all the cards selected
  • How do I check my Past mVisa transactions?
    Please follow below steps to check your past mVisa transactions
    • Log in to your Mobile Banking Application using your mPIN
    • Go to the menu icon available on the left side of the home page
    • Click on My controls option.
    • Click on mVisa
    • Click on past 10 transactions
    • You will now see the details of your last 10 transactions using mVisa
  • Do I need active internet facility on my mobile for using mVisa?
    Yes, Internet should be active on your mobile for making the payment through mVisa.
  • Whom should I contact for resolving customer queries?
    You can call our customer care service on- 18001035577

Bharat QR

About this Service

Axis Bank has associated with Visa, MasterCard and Rupay to launch Bharat QR - a unique payment solution, which will help Axis Bank Visa, MasterCard and Rupay Debit Cardholders to make quick payments just by scanning a single QR code available at merchant outlets and on bills etc.

What is Bharat QR?

Bharat QR is a card-to-merchant payment service provided through the Axis Bank QR Payment app by registering the Visa, MasterCard and Rupay Debit Cards for payment. Cardholders can make instant payment of bills or to merchants. Details of merchant will be in QR code available at the stores and/or printed on bills.

Advantages of Bharat QR

  • Secure transactions as customers will not have to hand over the card to the merchant
  • Convenient and instant payments
  • Now use your Visa / Mastercard / Rupay Debit Card to make payments at merchant locations across the country that display a QR Code*
  • With the Axis Bank QR Payment you do not need transfer / hold your money in e-wallets to make payments using QR codes. Your money continues to remain in your Savings account / Credit Card account and will be used only at the time of making a purchase
  • Purchases made using the Axis QR Payment App is authenticated by a passcode which is known only to you. Furthermore the passcode can be set using your Debit Card Number & ATM PIN which are also known only to you. In case you lose your smart phone, you simply need to call our Customer Service at 180 209 5577 to inform us and we will hotlist all cards linked to your Customer ID
  • On successful payment transactions, both you and the merchant will receive an instant notification informing the same
  • You will continue to earn Axis eDGE Reward points even on purchases made using Axis Bank QR Payment App
How it works

Customer can register for Bharat QR through the Axis Bank QR Payment App and start making payments using few easy steps as mentioned below:

How to Register for Axis Bank QR Payment App

  • Download the Axis Bank QR Payment App from Google Playstore and install
  • Enter your Debit Card, Expiry Date and ATM PIN on the screen
  • You will receive a One Time Password on your registered mobile number. Enter the OTP on the screen
  • Set a 6 digit passcode

How to transact using Axis Bank QR Payment App

  • Log in to the app using the 6 digit passcode
  • Select Scan & Pay
  • Scan the QR Code displayed at Merchant location
  • Enter the amount and click on “Pay”
FAQs
  • What is Axis Bank QR Payment App
    The Axis Bank QR Payment is the newest offering from Axis Bank for making your cash based payments cashless. The app allows you to use your Visa / Mastercard Credit Card or Debit Card to make payments at merchant locations across the country that display a QR Code*
  • From where can the app be downloaded
    The app can be downloaded by visiting Google Play store
  • How do I register on the Axis bank QR Payment App?
    You can register on the app by using your Debit Card Number, Expiry Date and the ATM PIN
  • Can I pay using e-wallets on the Axis Bank QR Payment App?
    Payments on the Axis Bank QR Payment app can be done using the linked Debit or Credit Card. With the Axis Bank QR Payment you do not need transfer / hold your money in e-wallets to make payments using QR codes. Your money continues to remain in your Savings account / Credit Card account and will be used only at the time of making a purchase
  • Do I need to carry / swipe my Debit or Credit Card while using the Axis Bank QR Payment App?
    You simply need to scan the QR code that is displayed at Merchant Locations, enter the transaction amount and authenticate the transaction. No need to carry or swipe your Credit or Debit Card at POS machines anymore
  • How do I know that my transaction is successful?
    On successful payment transactions, both you and the merchant will receive an instant notification informing the same
  • What should I do if I lose my mobile phone?
    In case you lose your smart phone, you simply need to call our Customer Service at 180 209 5577 to inform us and we will hotlist all cards linked to your Customer ID
  • Do I get Axis eDGE Reward Points on transactions done using Axis Bank QR Payment App?
    You will continue to earn Axis eDGE Reward points even on purchases made using Axis Bank QR Payment App
  • Where can I use Bharat QR for making payments?
    You can use Bharat QR for payment at merchant outlets, for paying bills, etc
  • Is there any extra charge for payment through Bharat QR?
    No, there are no extra charges on using Bharat QR for payment.
  • How do I get a confirmation of payment?
    Once your transaction is completed, you will receive a confirmation on your mobile banking app screen.
  • How will I come to know if the transaction was declined while using Bharat QR?
    You will receive a notification stating that the transaction was declined, on your Axis Bank QR Payment App screen.
  • What will happen to my funds if the transaction was declined and the merchant has not received a confirmation for payment?
    The transaction amount will be deducted from your account on initiation of transaction. Once transaction has been declined/ cancelled, the same amount will be credited back to your account.
  • What should I do if amount has been debited from my account but the merchant has not received any notification for payment?
    You can call our customer care numbers to raise a request for crediting back the amount of the transaction.
  • What should I do if amount has been debited, merchant has received a payment confirmation, but I haven’t received a successful transaction confirmation on my app screen?
    If you have received a deemed acceptance response and merchant has received a successful payment notification, transaction is successfully processed.
  • How many Bharat QR transactions I can do in a day?
    There is no limit on the number of Bharat QR transactions you can do in a day.