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Paypal says you CAN use Indian debit cards

Discussion in 'PayPal' started by yahue, Jan 3, 2007.

  1. #1
    It's said that you can't use Indian debit cards for Paypal verification. Even though mine is an Indian account, the site still displays "debit cards are OK" when I am logged in.

    So, I asked Paypal (through the contact form) about Indian debit cards. Note that almost every Indian debit card has a Visa/MC logo (such as UTI Bank, ICICI, HDFC Bank, etc.)

    Paypal's response follows. What do you think?

    --------------------------

    Thank you for contacting PayPal.

    You can add a debit card as long as it has a Visa or MasterCard logo.

    Please follow these steps to add a credit card or debit card to your PayPal
    account:

    1. Log in to your account at https://www.paypal.com/.

    2. Click "Profile."

    3. Click the "Credit Cards" link in the Financial Information column.

    4. If you already have a credit card registered, click "Add."

    5. On the "Add Credit Card or Debit Card" page, enter the required card information.

    6. Click "Add Card."

    Repeat this process for all additional cards.

    If you need to update the expiration date for a credit or debit card that
    is already added to your PayPal account, follow these steps:

    1. Log in to your account at https://www.paypal.com/.

    2. Click "Profile."

    3. Click the "Credit Cards" link in the Financial Information column.

    4. Choose the card by clicking the radio button and click "Edit."

    5. Enter the information required information and click "Save."

    If you have any further questions, please feel free to contact us again.

    Sincerely,
    Laura
    PayPal Community Support
    PayPal, an eBay Company


    Original Message Follows:
    ------------------------
    Form Message
    customer subject: Verification with Indian ATM card
    customer message: Additional Information: 'I have heard that Indian ATM
    cards are not useful for Paypal verification, but the text on my account
    when I log in says "Debit Cards (also called check cards, ATM cards, or
    banking cards) are accepted if they have a Visa or MasterCard logo."

    Are Indian ATM cards (with Visa logo) accepted for Paypal verification?'
     
    yahue, Jan 3, 2007 IP
  2. eXe

    eXe Notable Member

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    #2
    Well "Indian" in this case is an extrapolating term. It depends more or less on the issuing bank.

    Most cards with the Visa or Mastercard logo are known to work with paypal.
     
    eXe, Jan 3, 2007 IP
  3. Nick_Mayhem

    Nick_Mayhem Notable Member

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    #3
    But why don't you use a credit card and solve all this problems in one stroke.

    Following paypal emails is a harder thing then following a local bank to issue a credit card to you.
     
    Nick_Mayhem, Jan 3, 2007 IP
  4. yahue

    yahue Peon

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    #4
    Oops, maybe I spoke too soon.

    UTI bank debit card doesn't have a VISA logo. It has a VISA Electron logo.

    Same for (at least one kind of) Citibank Citicard ATM/Debit card: It has a Maestro logo, not a Mastercard logo.

    Could others post what card logos you get with which type of accounts with which bank?
     
    yahue, Jan 3, 2007 IP
  5. eXe

    eXe Notable Member

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    #5
    I have successfully verified a paypal account using a VISA Electron debit card. It was however, not issued by an Indian bank.
     
    eXe, Jan 3, 2007 IP
  6. it career

    it career Notable Member

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    #6
    Which bank was it?
     
    it career, Jan 3, 2007 IP
  7. yahue

    yahue Peon

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    #7
    "not by an Indian bank" is probably the key.

    It looks like online purchase ability for Electron (as opposed to ATM and POS usage) depends on the issuing bank:
    http://corporate.visa.com/md/fs/consumer/electron.jsp
     
    yahue, Jan 3, 2007 IP
  8. eXe

    eXe Notable Member

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    #8
    Barclays, a UK bank.
     
    eXe, Jan 3, 2007 IP
  9. yahue

    yahue Peon

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    #9
    That's probably a good idea. The reason people are interested in this topic is because Visa Electron is basically the most popular card in less developed countries:

    http://www.visacemea.com/wv/pay_now.jsp?src=intl
    http://en.wikipedia.org/wiki/Visa_Electron

    Some people may or may not be able to get a credit card.

    Others might want to limit their liability to what's in their savings account.

    (FYI, there hasn't been a credit reporting agency in India until just this year, and people don't get free credit cards in the mail.)

    Just having a credit card opens you up for additional scrutiny with the government ("credit card == rich"). (!)

    Note that this issue of use for a lot of US/UK/other folks as well, since they are working w/ Indian programmers/designers.
     
    yahue, Jan 3, 2007 IP
  10. technoguy

    technoguy Notable Member

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    #10
    I have a debit card of ICICI bank, will it work with Paypal?

    I havnt tried yet.

    Let me know.
     
    technoguy, Jan 3, 2007 IP
  11. thinkdj

    thinkdj Peon

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    #11
    They say you can .. but the problems with Indian issued cards are :
    1) No AVS [Address verification system] on the Global Debit cards .. as they are issued by the bank ..
    2) Inability to pay for in other currencies ..

    Due to these reasons, Debit cards issued from india wont be of any good for verifying PayPal .. I tried my MasterCard affiliated Mastero card issued by IndianBank ..
    PP gave me an error message saying "incomplete or partial CC number"

    Plus, does your DebitCard have that 3 digit verification code PP asks for? [on the back of the card]

    Without that, you CANT get your PP account verified even if does have the VISA/MC logo on it ..

    I'd advice you to get a CC and verify .. Many would suggest a VCC.. i dont recommend taht .. if you are younger than 18 or dont have a tax payee's OAN number, ask your Parent to get a CC and get yourself an ADDON card .. this would do the trick

    cheers !
     
    thinkdj, Jan 3, 2007 IP
  12. yahue

    yahue Peon

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    #12
    Good point. Actually the UTI debit card doesn't have a CVC number on the back.

    So,
    Indian Bank: No CVC
    UTI Bank: No CVC
    Citibank Citicard: ?

    How about others?
     
    yahue, Jan 4, 2007 IP
  13. yahue

    yahue Peon

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    #13
    Technoguy, Could you post whether the ICICI card has CVC number (three digits) on the back? Also, just for others' info, which card is it (silver, gold, etc.)?
     
    yahue, Jan 4, 2007 IP
  14. Rohit patel

    Rohit patel Prominent Member

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    #14
    Well HDFC have CVC numbers but only for new cards. Older cards have no CVC.
     
    Rohit patel, Jan 4, 2007 IP
  15. YIAM

    YIAM Notable Member

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    #15
    No, You can't use that.

    SBI Maestro Debit card: No CVV [i think its called CVV nos. not cvc]
    ICICI Visa Electron Debit Card: No. No CVV
     
    YIAM, Jan 4, 2007 IP
  16. yahue

    yahue Peon

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    #16
    Why wouldn't you recommend that? (Just to make it clear for anybody who might have been planning to go that route.)

    Will it fail initial verification?

    Or, let's say it gets verified. Does Paypal attempt to re-verify accounts periodically? Say after a year? For all accounts, or just for abnormal ones?
     
    yahue, Jan 4, 2007 IP
  17. hextraordinary

    hextraordinary Well-Known Member

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    #17
    I don't know how the banking system is in India, but can't you guys get something like an International Credit Card?
     
    hextraordinary, Jan 4, 2007 IP
  18. etechsupport

    etechsupport Peon

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    #18
    etechsupport, Jan 4, 2007 IP
  19. yahue

    yahue Peon

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    #19
    Thanks for sharing. I think this means HDFC is a good choice for people who want to get a debit card usable online.

    Interestingly, the card has has a VISA logo (not Visa Electron), yet the numbers are also not embossed, and it says electronic use only.

    http://www.hdfcbank.com/personal/cards/dc_int.htm
     
    yahue, Jan 4, 2007 IP
  20. yahue

    yahue Peon

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    #20
    That's possible for some people, maybe not all.

    We're just exploring all the possibilities because different people are in different situations.

    See post #9 above.
    http://forums.digitalpoint.com/showpost.php?p=2039570&postcount=9
     
    yahue, Jan 4, 2007 IP