DOMESTIC E-COM APPLICATION
Terms and Conditions governing EBL Domestic E-Com
Terms and conditions stated hereunder relate to the usage of the EBL Domestic E-Com by the Cardholder on her/his designated account
The Bank shall have the ownership of the card at all the time.
The Cardholder shall not disclose the card and CVV number to any other person. The Cardholder undertakes full responsibility for any
transactions made by the use of the card whether or not made with her/his knowledge or authority.
The Cardholder shall not use the card for any transactions related to capital expenditure.
The Bank may ask for substantiate document(s) including invoice(s) against any transactions made from the card and it is the responsibility
of cardholder to provide the same.
The Bank reserves the rights to cancel the Card so issued to any Cardholder, if the information submitted by such Cardholder is found to
be false and or the Card has been misused.
The Bank shall debit the Account(s) designated by the Cardholder for all transactions made through the card including all fees & charges
as per standard tariff of charges.
The Bank reserves the right to terminate, withdraw the privileges or not renew the card at any time without prior notice or disclosing any
reason, whatsoever not acceptable to the Bank.
The Cardholder shall provide request to the Bank for the cancellation/renewal of the card.
The Bank shall not be held responsible in any way for non-availability of e-Commerce service for any reason whatsoever beyond the
control of the Bank.
10. It is the sole responsibility of the Cardholder to verify the transaction with the account statement on regular basis. Any dispute on the
transactions should be lodged in writing within 15 days of receipt of transaction notification. The Bank shall not be responsible for any
claim, if the information received thereafter.
11. Applicable charges on card issuance/operation shall be as per Standard tariff of charges published in Bank's website. The Bank reserves
the right to amend fees and charges at any time with or without prior notice to the Cardholder and such amendment shall be binding on
12. The Cardholder(s) undertakes to indemnify the Bank against all losses, damages, cost or expenses incurred and sustained by the Bank
arising out of Cardholder's failure to observe any of the terms and conditions mentioned above.
13. The Bank reserves the right to amend any of the terms and conditions with or without prior notice to the Cardholder which shall be applied
to the Cardholder.
14. Cardholder shall be fully committed to obey the rules and regulation as prescribed by Nepal government, Nepal Rastra Bank and Everest
Bank limited and use the card prudently for online payment only on goods and services allowed by law of land, else I shall be fully liable
on consequences thereof
I hereby declare that:
I have read and understood the terms and conditions of EBL Domestic E-Com and I shall be held responsible and agree to accept any
action taken by the Bank against the breach of these terms and conditions.
I shall not use the card for any transactions prohibited by Law, Regulatory Authorities and the Bank. I shall be fully responsible in the event
of failing to abide the same.
I authorize the bank to debit my aforesaid account number for the amount including any charges for issuance/reload the prepaid card.
Welcome to Everest Bank 3D Secure Service
Welcome to Everest Bank 3D - Secure service. Our VISA Cardholder can now enjoy the online shopping in most secure way. Online
transactions in trusted merchant websites (authorized by VISA Worldwide Pte. Ltd.) are performed with One Time Password (OTP) to
protect your online transaction process.
3D Secure is a new service from Everest Bank in association with Visa that lets you shop online securely with your Visa Card on
merchant websites that subscribe to services of 'Verified By Visa' (VbV). 3D Secure Service confirms your identity through a simple
authentication process when you make online purchases. 3D Secure Service provides you with a new password every time you shop
online as part of the checkout process to protect your online transactions. This will protect your card from fraudulent use as purchases
will only be authorized once your OTP has been entered into the Verified by Visa screen.
Terms and conditions
These terms and conditions hereof regulate the 3D Secure Service (Verified By Visa? ('VbV') for VISA cards issued by Everest
Bank for performing online purchase of goods and services.
Definition of words;
'Card' shall mean a valid Visa Card issued by Everest Bank to the customers.
'Card holder' means any person holding a valid Card issued by Everest Bank and who desires to make payments to the
Merchant using his/her Card through the Internet.
'Merchant' means any firm/institutions/organization that accepts online payment made by the Card holder using the Card for
the product and/or service purchased through its website.
'3D Secure One Time Password' (OTP) means the six (6) digit secret code that is valid for only one login session or transaction
while making online payment using the Card.
'Service' means the 3D Secure Service VbV?
'User ID' means the Card number provided to the Card member by Everest Bank to enable card payments through the
Internet using the Card.
'Website' means the website of Everest Bank located URL at
or website of the merchant accepting
'Card Verification Value' (CVV) is the three digit numbers displayed at the right side of the back side of the card.
'Chargeback' means a dispute resolution mechanism available to the Card holder to resolve his/her grievances against
transactions processed through his/her card in accordance to the rights and duties endowed by the dispute resolution
guidelines developed and updated from time to time by Visa Worldwide Pte. Ltd. (VISA)
The Card holder shall apply for enrollment for VbV Service and using the 3D Secure through filling and signing this form or Everest
Bank's website or at other websites in the manner prescribed by Everest Bank for the usage of Service.
Everest Bank shall be entitled at its sole discretion to accept or reject such applications. The Card holder shall register for the
Service by providing required card details as shall be required by Everest Bank from time to time for the purpose of generating
the 3D Secure OTP.
Everest Bank shall validate the details provided by the Card holder to enable the Card member to generate the 3D Secure
OTP. In the event any of the card details of the card member is not as per the details with Bank, Bank shall at its sole discretion
reject the generation of 3D Secure OTP.
Everest Bank shall validate the card details provided by the Card holder, during the course of an online transaction. Bank shall
further ensure that the Merchant's website shall be identified by way of display of the brand credentials like logo, trademark,
hyperlinks of/to Bank, such that the card holder can transact through the Internet.
The Card holder will not sign any physical slips at the time of making the online payment. It will be self-declared by the card holder
for the transaction performed by entering OTP and other card details in all the cases.
In the case of any dispute regarding the authenticity or validity of such a payment after being authenticated through the service, for
any reason whatsoever, the Card holder shall be liable to pay the outstanding amount payable. Everest Bank shall not be liable, in
any manner whatsoever, for the same.
Everest Bank or its officers, employees, merchant and agents (if any) shall not be liable for any unauthorized transactions occurring
through the use of the service.
Card holder hereby fully indemnifies and holds Bank harmless against any action, suit, proceeding initiated against it or any
loss, cost or damage incurred by it as a result thereof.
Everest Bank shall under no circumstance be held liable to the Card holder if the Service is not available in the desired
manner for reasons including but not limited to natural calamities, legal restraints, faults in the telecommunication network or
network failure, or any other reason beyond the control of the Bank.
Under no circumstances shall the Bank be liable for any damages whatsoever whether such damages are direct, indirect,
incidental consequential and irrespective of whether any claim is based on loss of revenue, interruption of business or any
loss of any character or nature whatsoever and whether sustained by the Card member or by any other person.
Illegal or improper use of the service shall render the card holder liable for payment of financial charges as decided by the
Bank or will result in suspension of the Service.
The card holder shall be solely responsible for the payments made through the Internet even in the event of the card
member claiming non-possession of the card with him/her. The card holder shall further be solely responsible for any
payments made using the card through the Internet for travel and entertainment purposes and cannot claim the invalidity
of the same.
The card holder agrees and acknowledges that Everest Bank shall in no way be held responsible or liable if the card holder incurs
any loss as a result of carrying the instruction of the card member pursuant to the verification through the 3D Secure OTP and the
Card member shall fully indemnify and hold harmless the Bank in respect of the same.
The card holder shall maintain the secrecy of all information of confidential nature and shall ensure that the same is not
disclosed to any person voluntarily, accidentally or by mistake. The card holder agrees and acknowledges that any loss,
damage, liability caused or suffered by the Card member due to disclosure of all information of confidential nature shall be
borne by the Card member without transferring any liability or responsibility towards the Bank.
The Card member shall comply with such guidelines, instructions or terms as Everest Bank may prescribe from time to time
with respect to the 3D Secure OTP.
Card holder is fully liable for the transactions if not performed from 3D secure with the use of OTP with non-VbV merchants
or use of only Card Verification Value (CVV).
Any payment made on the Internet using the card holder's 3D Secure OTP shall be deemed to be an instruction received from
the card holder. The Card holder's 3D Secure OTP generated by him/her, allows card holder to make payments through Internet
and that card holder is the sole and exclusive owner of the card holder's 3D Secure OTP and accepts sole responsibility for use,
confidentiality and protection, as well as for all payments made using such 3D Secure OTP.
The use of the card by the card holder for making payments on the Website is at the Card holder's own risk and sole
Upon registration , the card holder shall be solely responsible for any/all payments made through the Internet. Any payment made
on the Internet using the card holder's OTP shall be deemed to be a genuine order received from the card holder. The card holder's
OTP allows him/her to make payments through Internet and that he/she is the sole and exclusive owner of such OTP and accepts
sole responsibility for use, confidentiality and protection of the OTP, as well as for all payments made using such OTP.
The use of the card by the card holder for making payments through Internet is at the Card member's own risk and is the Card
member's sole responsibility.
Everest Bank reserves the right to charge and recover from the card holder service charges/other applicable charges for the
services availed by the card holder immediately or any time after the transaction is done.
The card holder hereby authorizes Everest Bank to recover the service charge by debiting the card holder account with the
Bank or by sending a bill to the card holder who will be liable to make the payment on or before payment due date or within
the specified period.
Failure to do so shall attract the provisions of the Terms and Conditions, including suspension of the Service without any prior
reference to the card holder or without any liability to the Bank.
In the event of suspension of the service, Everest Bank reserves the sole right to accept or decline the request for resumption
of the Service.
The card holder shall indemnify and hold Everest Bank, including its officers, employees, merchants and agents, indemnified
against all losses and expenses on full indemnity basis which the Bank may incur, sustain, suffer or is likely to suffer in connection
with the execution of the card holder's instructions and against all actions, claims, demands, proceedings, losses, damages, costs,
charges and expenses as a consequence or by reason of providing the service.
Everest Bank has no obligation to verify the authenticity of any payment made from the card holder's 3D Secure OTP other than
by means of verification of the card holder's 3D Secure OTP.
Everest Bank reserves the right to add, revise, suspend in whole or in part any of the services provided by it.
By using the service, the card holder shall be deemed to have accepted these Terms. Bank shall have the absolute discretion
to amend or supplement any of the Terms and/or terms and conditions stipulated by Bank pertaining to the service and/or to
any services/facilities offered by Bank at any time without any prior notice by hosting the same on the Website or in any other
manner as decided by Bank.
The card holder shall be responsible for regularly reviewing these Terms and the terms and conditions stipulated by Bank
including amendments thereto as may be posted on the Website. Such amended Terms stipulated by Bank will thereupon
apply to and be binding on the Card member.
Everest Bank shall have no obligation to verify the authenticity of any transaction / instruction received or purported to have been
received from the card holder other than by means of verification of the 3D Secure OTP. While the Bank shall endeavor to carry out
the instructions promptly, they shall not be responsible for any delay in carrying on the instructions due to any reason whatsoever,
including due to failure of operational systems or any requirement of law.
The Bank may refuse to comply with the instructions without assigning any reason and shall not be under any duty to assess
the prudence or otherwise of any instruction and have the right to suspend the Service if it has reason to believe that the card
holder?s instructions will lead or expose to direct or indirect loss or may require an indemnity from the card holder.
The card holder reserves the right to lodge Chargeback with Everest Bank against any transaction posted in his/her card account,
within 120 days from the day of transaction processing date.
After receiving application, Everest Bank shall process further as per the standard procedures, fess/charges and timeline set
by Visa Worldwide Pte. Ltd.
The card holder hereby agrees that the decision of Visa Worldwide reviewing committee on the disputed transaction(s) is final
and binding to him/her.
The card holder duly accepts that s/he shall make the payments of posted transactions within the payment due date prescribed
by Everest Bank despite the card holder has lodged Chargeback or wishes to lodge the Chargeback. In the event of dispute
resolved in favor of the card holder, the proceeds shall by duly credited by the Bank in the same card account within the time
frame prescribed by dispute resolution guidelines of Visa Worldwide.
During the currency of this agreement, the card holder acknowledges that s/he is familiar with and aware of the laws of
the land and foreign exchange, Anti-money Laundering and Combating of Financing of Terrorism regulations prescribed by
regulatory authorities and agrees to comply with them strictly.
The card holder is solely liable for voluntary or involuntary indulgence in any illegal, money laundering or financing for
terrorism activities using 3D Secure Service; and indemnifies the Bank harmless against any damages, claims or lawsuits or
penalties arising out of the such involvement of the card holder including but not limited to purchases such as purchases of
pornographic nature, online gambling etc.
All disputes, if any, arising out of or in connection with, or as a result of this Terms and Conditions or otherwise relating hereto, shall
be subject to the exclusive jurisdiction of the competent courts/tribunals in Kathmandu only.
Everest Bank shall make reasonable efforts to advise customers to provide full information about this product with appropriate
promotional tolls from appropriate media time to time.
Everest Bank shall use your personal information for the Everest Bank's services only for protecting your personal data.
I hereby declare that:
I have read and understood the terms and conditions of Everest Bank 3D Secure Service and I shall be held responsible and agree
to accept any action taken by the Bank against the breach of these terms and conditions.
Domestic E-COM Activation Request
*This email shall be used for OTP generation for E-commerce transaction.
I have read and understood the terms and conditions of Everest Bank 3D Secure Service/E-COM application.
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