Esquire Technologies - Security Policy

Security Policy

PAYGATE (DPO) process all credit card transactions. All credit card transactions are 128 bit Secure Socket Layers (SSL) encrypted. The company registration documents and the site's registered domain name are checked and verified by Thawte, ensuring the cardholder and merchant that nobody can impersonate PAYGATE to obtain confidential information.

PAYGATE is committed to providing secure online services. All encryption complies with international standards. Encryption is used to protect the transmission of personal information when completing online transactions. PAYGATE Internet servers are protected by firewalls and intrusion detection systems. The Merchant does not have access to credit details. PAYGATE continually reviews and enhances its security in line with technological changes.

All transactions will be processed in South African Rands (ZAR). We accept credit card payments via the website in which case '{Statement Reflect}' will reflect on the card holder's statement.

{Site Name} is pleased to announce that we now support MasterCard SecureCode and Verified by VISA, major new initiatives from MasterCard and Visa that make our customers much less vulnerable to fraud. MasterCard SecureCode and Verified by Visa provide the technology that enables a cardholder's identity to be verified online, using a password at the time of purchase. The process of verifying the cardholder's identity is called 'cardholder authentication'. The introduction of cardholder authentication is an important step towards making trading online more secure and reducing the risk of fraud in the non-face-to-face environment.

How do you protect yourself?

The PAYGATE payment gateway pages are 3D Secure compliant and conform to the Verified by Visa and Mastercard Securecode online security platform.

So for those who frequently shop online and wish to ensure their credit card details may not be fraudulently used, you will need to sign up for 3D Secure - which is an added security measure (and verification procedure) employed by the major credit card issuers - before your card will be processed online.

You will only need to enrol for 3D Secure once (for each credit card you own) to be able to safely shop online in the future. This is a 2 step process and can be instantly completed online via your bank's website and is a necessary procedure to ensure peace of mind whilst making online purchases.

The following are links to the 3D Secure activation (and enrolment) pages provide by your bank. Please choose the bank that your credit card was issued by:

Nedbank

First National Bank

Standard Bank

Using a Standard Bank credit or cheque card to pay for goods and services over the Internet is now more secure with our Secure Internet Shopping service.

This added security service is free to you and easy to set up. All you need to do is activate your card for Secure Internet Shopping service and you can start shopping online at participating merchants with the peace-of-mind you deserve.

To activate your card for Secure Internet Shopping, you will need to enter a few details and choose a PIN you'll enter when making online purchases.

Secure Internet Shopping from Standard Bank is in line with MasterCard and Visa's secure online shopping initiatives in the form of MasterCard SecureCode and Verified by Visa.

Merchants participating in Secure Internet Shopping service will accept payment with a Standard Bank card only if you have activated your card for the service. Note that you will not be able to use your card to shop online at participating merchants unless you have activated your card for the service.

Benefits of Secure Internet Shopping

It guarantees your online shopping payments.
It increases security because your card is activated and it is access controlled with a PIN that you choose.
Once activates it ensures that nobody else can use your card details for shopping online.

How Secure Internet Shopping works
Once your card has been activated and you have selected your own secret username and PIN, you will automatically be prompted by us to enter your secret PIN, when paying for your goods or services at participating merchants. We will verify this and the transaction will be completed.

Your secret PIN should never be shared with anyone. It works in the same way as entering your PIN at an ATM.

About the activation process
When activating your card you will need to provide the following:

Card number
Card verification value, which is the last three numbers on the signature panel on the back of your card
Expiry date
Name embossed on the card
Please enter your name exactly as it appears on your card (title, initials and surname) eg. Mr JM Smith.
Personal identification in the form of the number that appears in either the identity document or passport which Standard Bank has on record from when you opened your card account.
Enter a personal message that will appear when you are at the checkout point of a participating merchant and before you enter your PIN. See "Your personal message" for more about this.
Choose and confirm a PIN. See "Your PIN" for more on this.

Your personal message
The phrase you enter may not exceed 30 characters and should be unique to you so that you can recognise it as yours. This gives you the assurance that your transaction is secure.

Do not enter your PIN if the message displayed is incorrect. Call 0861 201 311 (South Africa only) or +2711 2411311 (Mozambique and Namibia) immediately and report a possible attempted fraud.

Your PIN
Your Secure Internet Shopping PIN must have five digits. Here are some standards to consider when deciding on a PIN.

It should not contain the same number repeated three consecutive times, for example, 11132.
It should not be consecutive numbers, for example, 12345.
It should not be the same as your ATM or Internet banking PINs.

Note that when checking out, you will be asked for your "Customer-selected PIN (CSP)". This is the PIN you chose when activating your card for Secure Internet Shopping.

Preventing fraud
Call 0861 201 311 (South Africa only) or +2711 2411311 (Mozambique and Namibia) immediately to report a possible attempted fraud.

For further information
Click here for answers to some questions you may have. Should you still have questions, call us on 0861 201 311 (South Africa only) or +27 11 241 1311, email us at ss@standardbank.co.za.

Register now
Click here to read the terms and conditions before you activate your card.

Absa Bank

Nedbank

First National Bank

What's in it for you?

What are the steps involved?

Frequent Questions

More Information

Standard Bank

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