Your iStore Card uses the most advanced security technology available to protect your card.



Your iStore Card CHIP Credit Card
Your iStore Card has a magnetic strip as well as a microchip on it. This chip is an additional security feature designed to keep your details safe and makes it difficult for fraudsters to use your card.

When using your card to shop at a store, you may need to enter a Personal Identification Number (PIN). (If stores do not have a “chip reader”, your iStore Card will be swiped as normal.) By entering your PIN, you are authorising the payment on your iStore Card.

If your card is removed from the reader before you enter your PIN, the transaction will be cancelled.

Secure Internet Shopping

Using your iStore Card to shop online is now even more secure.

It offers you:

  • guaranteed online shopping payments,
  • increased security with your unique PIN, and
  • assurance that nobody else can use your iStore Card details for shopping online.


3D Secure

What is 3D Secure?

3D Secure protects you, the cardholder, and the merchant by verifying your personal details during an online purchase, prior to the transaction being processed. It ensures an additional level of protection when shopping online. This service is now enhanced with OTP instead of a static username and password.

What does OTP mean for you?

Buying online is safer than you think with OTP. It’s designed to give your iStore Card an extra level of protection against unauthorised use when shopping online. You will now receive a OTP via SMS every time you make a purchase, and this password will only be valid for that transaction.

How OTP works when you’re shopping online at participating 3D Secure merchants?

  • Shop online and proceed to the checkout
  • Input your 16 digit iStore Card number, Expiry date and CCV number when prompted
  • You will then be asked for an OTP which you will receive via SMS on your registered cellphone number
  • Finalise your purchase

3D-Secure OTP benefits for you?

  • No need for registration and activation up-front
  • No need to remember a username and password
  • Reduces the risk of your 3D Secure password being compromised or phished
  • No need to phone to unblock 3D Secure passwords
  • Additional level of protection when shopping online

Where can I find more information about 3D Secure?

If you have any queries or questions about 3D Secure or need technical assistance, you can contact the Contact Centre.

SAFETY TIP: Online shopping is quick, easy, and convenient – however, there are still some safety factors that need to be considered when using your credit card to make purchases online.

  • Only place an order with your credit card on trusted websites that are verified as secure sites (look for the lock image on the toolbar).
  • On the Web page where you enter your credit card or other personal information, look for an "s" after ‘http: //’ in the Web address of that page - it should read: ‘https://’. The encryption is a security measure that scrambles your data as it is entered.
  • Ensure that the website is authentic and secure by finding out what other shoppers say. Some websites such as and have customer evaluations, which can help you determine a company's legitimacy.
  • Do not send emails that contain personal information such as your card number and expiry date.
  • Use good quality antivirus software – such as the free software we provide for our Internet Banking and WAP-based Cellphone Banking customers.
  • Secure, Verified by VISA and MasterCard SecureCode

We all love the convenience of shopping online, but are concerned about the risks that may be involved. This is why technology, such as 3D Secure, has been designed – and protects you while you shop.


Your PIN is for your eyes only

You will use the same PIN that you use at ATMs for making purchases.

How to keep your PIN safe:

  • Don’t let anyone see you type in your PIN
  • If you feel uncomfortable, stop the transaction by removing your iStore Card from the reader
  • If you feel the secrecy of your PIN has been compromised, please go to your closest Standard Bank branch and change your PIN
iStore Card PRO TIP: Do not compromise your PIN. You will be responsible for transactions where your PIN has been used


Preventing Fraud

Here are some do’s and don’t’s to prevent your iStore Card from being used for fraud.

Identity Theft

Identity theft is when someone steals your personal information for illegal purposes.


  • Sign the back of your iStore Card the moment you receive it
  • Store your personal and financial documentation safely
  • Destroy personal financial information by tearing, shredding or burning it before throwing it away
  • Keep your PIN number safe
  • Pay attention to your account statements
  • Avoid obvious choices like birth dates and first names when selecting passwords


  • Disclose personal information when asked to do so by e-mail
  • Write down your PIN and passwords


Phishing happens when fraudsters send you an e-mail requesting that you click on a link in the e-mail to update your personal and/or financial details. This link diverts you to a fake website where your information is stored and used for fraudulent purposes.


  • Type the website address into your internet browser rather than clicking on a link in an e-mail
  • Only use secure internet banking sites
  • Beware of unusually long website addresses
  • Contact iStore Card immediately if you think you have compromised your confidential information


  • Click on a URL contained in the body of the e-mail
  • Reply to any of the unsolicited e-mails

Communication from iStore Card:

  • iStore Card’s electronic statements are attached as a pdf file and not a link to an internet banking login page
  • iStore Card’s electronic statements will never provide a link to an internet banking log-in page. Should cardholders wish to view their accounts via the Standard Bank Internet Banking site, they can access this through the or website and not via a link
  • iStore Card may attach website links in it’s electronic newsletters, but this will only ever link to a content page on the website and never to an internet banking page or to a link requesting sensitive information
  • iStore Card will never ask for sensitive information such as card and PIN number combinations in any of the links it includes on the electronic newsletter.

We highly recommend “Trusteer” online protection software, which is free to our Internet banking customers. Trusteer offers comprehensive online security protecting login credentials and web communication from malware and preventing unauthorized access to ones accounts. We strongly urge clients to download and install the Trusteer software as it will alert the recipient when trying to type in Internet banking credentials on an incorrect site. Trusteer can be downloaded from the “account balances” page within Standard Bank Internet banking website which can be accessed through or

iStore Card IMPORTANT NOTE: All cardholders need to be vigilant and never enter sensitive information such as PIN numbers, passwords, card details (ie number, expiry and CvC combinations) on a website unless it is secure.



Pharming occurs when your computer is infected with a virus which attacks the Domain Name Server (DNS) system on the machine. When you enter your bank’s website address, the virus redirects you to a fake website, where your information is stored and used for fraudulent purposes.


  • Ensure that your antivirus software is always up to date
  • Access internet banking via the route you usually use
  • Only use secure internet sites
  • Beware of unusually long website addresses
  • Contact iStore Card immediately if you think you have compromised your confidential information


  • Don’t access unfamiliar websites