Home

Punjab National Bank
3D Secure Service  Home
What is Verified by Visa™
What is SecureCode™
IVR FAQs
Terms & Conditions
Register Now
Contact Us
Powered By
IVR 3D Secure Service for PNB Debit Cards
  • What is and IVR transaction?
  • What is PNB IVR 3 D Secure Service?
  • How does this service help me?
  • What is OTP and how long I can use once I get?
  • What is the procedure for registering for IVR 3D Secure Service?
  • How can I generate the One Time Password (OTP) to perform the IVR transaction once I am registered for this service?
  • What is the validity period of the OTP?
  • Can I get the OTP on my friend's relative's mobile number?
  • How Can I register my mobile number for SMS alert facility?
  • Can I register for IVR 3D secure service with my existing PNB Debit Card?
  • I am already registered for 3D secure services for e-commerce transaction. Do I have to reregister for 3D secure Service for IVR transactions?
  • Can I perform the IVR transaction without OTP?
  • What if I need help regarding IVR 3D secure service?

  • What is an IVR transaction?

    IVR transactions or Interactive Voice Response transactions are carried out over the telephone where a Debit/Credit Card number is to be entered on an automated system for the purpose of making a payment to a vendor for purchase of goods, services etc.

    Top

    What is PNB IVR 3 D Secure Service?

    Punjab National Bank Bank's "IVR 3D Secure Service" will provide an additional level of security i.e 'One Time Password' (OTP) for conducting IVR transactions using the Debit Card issued by the Bank. As per Reserve Bank of India guidelines, it is mandatory for customers to have an additional authentication for all Card based IVR transactions. The guidelines have been issued with a view to provide additional security for transactions conducted on merchant IVR systems using Credit/Debit Cards.

    Top

    How does this service help me?

    'IVR 3D Secure' system will provide additional security while performing the IVR transactions, as the cardholder will be able to get the OTP on his/her registered mobile and use the same for making purchases through merchant IVR systems. It's easy to register for 'IVR 3D Secure Service' and get OTP for carrying out IVR transaction using existing PNB Debit Card.

    Top

    What is OTP and how long I can use once I get?

    OTP stands for 'One Time Password'. It is a six digit number/password. The OTP can be used for a single transaction and is valid for 60 minutes.

    Top

    What is the procedure for registering for IVR 3D Secure Service?

    Under 'IVR 3D Secure Service', the cardholder will be required to register and get OTP before carrying out any transactions over merchant IVR systems. The procedure on how to register and get OTP is given below:-

    1. Customer should ensure that his mobile number is registered with PNB for SMS alert facility. In case his mobile number is not registered he should visit PNB branch/ ATM for registering the same.
    2. Once the mobile number of customer is registered, the cardholder should get registered for 'IVR 3D Secure' service by visiting PNB's website www.pnbindia.in by clicking '3D Secure Service' link.
    3. Customer should click on IVR registration Button for registering his debit card for IVR 3D Secure Service and follow the instructions. This is a onetime activity.
    Top

    How can I generate the One Time Password (OTP) to perform the IVR transaction once I am registered for this service?

    - Whenever the cardholder intends to carry out an IVR transaction, he/she can send an SMS to '56070' from his/her registered mobile to get OTP.

    The SMS syntax for getting the OTP will be

    'PNBIVR' <SPACE> D <SPACE> <last 4 digits of Card Number>.

        For Example: PNBIVR D 1234 to 56070

        where "1234" are the last four digits of the card number

    - The 'IVR 3D Secure' system will generate OTP and send the same to cardholder's registered mobile.

    Top

    What is the validity period of the OTP?

    OTP is valid for 60 minutes and for a single transaction. Hence, the cardholder will be required to get a new OTP for every transaction.

    Top

    Can I get the OTP on my friend's relative's mobile number?

    The OTP is sent to cardholder's registered mobile number only. It is essential that the cardholder is already registered for the SMS alert facility available for PNB customers.

    Top

    How Can I register my mobile number for SMS alert facility?

    One can register for SMS alert facility available by visiting PNB branch/ ATM.

    Top

    Can I register for IVR 3D secure service with my existing PNB Debit Card?

    Yes, one can register for 'IVR 3D Secure' service using existing PNB Debit Card. One need not apply for a new card.

    Top

    I am already registered for 3D secure services for e-commerce transaction. Do I have to reregister for 3D secure Service for IVR transactions?

    Yes, for doing IVR transactions, registration for IVR 3D Secure Service is mandatory.

    Top

    Can I perform the IVR transaction without OTP?

    No, using PNB Debit card IVR transactions can not be performed without OTP.

    Top

    What if I need help regarding IVR 3D secure service?

    Contact PNB Customer Care at 1800 180 2222 (toll free) or 0120-2444028. One can also send email to debitcard@pnb.co.in in this regard.

    Top