Home Money Questions and Answers regarding Entropay, PayPal and SBI

Questions and Answers regarding Entropay, PayPal and SBI



I am receiving heavy mails and comments on my previous post “Get Entropay using SBI Maestro Debit Card“. All the questions are repetitive and many people are getting confused without any reason. I have to reply to each one (lengthy replies) to solve their problems and it is not worth it because they are not reading previous comments. Just asking same questions. So, for sake of all (and little me too 🙂 ), I am posting all question and answers (clarifications here).

Please go through it and if your question or problem is not answered, then surely ask here. Also, you can say thanks if it helps you.


1. Is this Process Legal?
> Yes it is legal. You, me, him, that person…  no one is doing anything wrong here.

2. With this, can I pay web hosting bill and domain charge to Hostgator, Namecheap, Godaddy?
> Yes! My website is on NameCheap (awesome host) and I pay with this only.

3. Can I pay at Android Market, Apple iTunes Store or BlackBerry Apps?
> I have tried it at Android Market and BlackBerry Apps. It worked. Someone please let me know about Apple.

3a. Can I pay for Porn sites etc using this?
> Whoa…mate slowdown. Talking about all these stuff isn’t allowed here. However why don’t you try by yourself.

4. Internet Banking, 3D-Secure, MBS : Do I need them all?
> In most cases, this method is working with 3D-Secure only. However some people may need Internet Banking and MBS.

5. I have internet banking, but I can’t pay using it?
> You don’t have full transaction rights then. Contact bank.

6. Error: I can’t load money even when I followed everything. I get General Service Error or something. Why?
> – Check: Internet Banking (with Full Transaction Rights)?
–  International Currency Exchange Timings (generally between 10 am – 4.30 pm).
–  Saturday, Sunday, National or International Holidays?
– Correct 3D-Secure password. Check by going at site and logging in.
– MBS (SBI Mobile Banking) – May be required for some.
– Check all details and repeat the procedure.
– Check you got any mail from Entropay for Verification. Till then your account will be limited.
– No offence, but do you have sufficient funds in bank account? It should cover loading plus nominal fee that too according to current exchange rates.
– Try some other time. Nowadays, something going on with SBI. It gives me ‘Invalid Authentication’ or “General Service Error” during online recharges and ticket booking with SBI debit card when everything is correct. Sometime it doesn’t work. It might have got a bug recently.

7. I have 19 Digit number on my SBI Maestro. Will it Work?
> For Sure.

8. Maestro International Card (like from South Africa)? Yuva Card? Master Card? Visa?
> Above all are being reported working. Please take little pain to explore and report back if you get any more card working. I will add, it helps people.

9. ICICI Cards? United Bank? PNB?
> ICICI worked for some and didn’t for others. No report of United Bank or PNB.

> Your bank already gives VCC from Internet Banking accounts that too free. Call bank to know more.

11.  What happens if we didn’t use money transferred to Entropay? Is there any way to reverse it to SBI account?
> Yes! Entropay supports 2 way transactions.

12.  I am not from Maharashtra OR I am from other state? Will it work?
> Reported  working from Gujarat, Karnataka, AP, UP, Maharashtra, MP and some other. So, it will work.

13.  Date on my card is Sep 2011. What will be expiry date?
> Sep = 9th Month. Add 8 Months and 5 years . So, it comes 9+8=17 and Year comes 2016.
But there are only only 12 months so, subtract 12 from 17 which gives you 5 (May) and add 1 more year to 2016 (since we were in new year when we crossed 12th month). So final date : 5/2017.

14. Can I transfer money from Entropay to PayPal?
> Yes! But you will lose that money as you can’t use money which is in PayPal for Transactions as per RBI regulation. You will need to transfer it to your Bank Account.

15. Can I use money which is already in PayPal for transactions?
> No, read question 14.

16.  Do I need to be verified to add Entropay card to PayPal?
> There is danger that PayPal may (I am saying MAY) try to deduct your EntroPay card to make you verified. There it will fail for sure. Just get verified first using your bank account. It is easiest and secure way. Then there is no danger in adding EntroPay.

17. If RBI had blocked transactions using PayPal, how I will pay by adding Entropay card?
> RBI restricted transactions by money IN THE PayPal accounts. It needs to be transferred to bank accounts. They have not put restriction on Credit Cards as credit card is processed by PayPal (as a card processor) directly without adding money to PayPal.

18. I have to use Entropay VCC at once? All the money?
> No! You can use when you want as little as you want. You can use it till expiry date of VCC card. You can use it as many times you want. It is NOT a One Time VCC. It’s Reloadable VCC. It is more like Credit Card but Prepaid. However, it is mandatory to make at least ONE transaction every 6 months (Entropay Terms).

19. Entropay didn’t ask me for verification?
> It is  Random Security Check and they ask to some, not everyone. You will get an e-mail if they want you to get checked.

20. I received a mail to submit documents? Now how I do that?
>  Take snapshot as said and upload on their portal;
– Driving License – Showing your ADDRESS
– PAN Card (TAX card) or other Government ID showing that you are Indian Resident.
– SBI Maestro Card. Scan or Camera shot of it and then in MS-Paint Hide middle numbers of card. Only SHOW Starting 6 and Last 4 Digits. This is for security Purpose. Hide the VCC code on back of your card. I know there is none. Just put Hiding sign there or official may reject the verification. They don’t understand that in India, banks don’t provide CVV for Maestro and Indian bank checks for 3D-Secure Code not CVV for Maestro. So this is to make them believe. Nothing illegal.

 21. How can I use this EntroPay card with PayPal?
> Read this Post.

22.  Can I verify PayPal with this Card?
> Don’t try it. You will ruin your VCC for all PayPal transactions.

23. Returns error while adding Entropay to PayPal.
> Check: Currency conversion and other things. Refer Original Post for troubleshooting.

24. Please, do all of this for me or assist me personally. (I get this most of the time)
> I am not on your  payroll and please don’t send me your card details and account access. How much foolish you can be? I am good person so I am trustworthy but what if I wasn’t? Fools.

25. Your method doesn’t work. Booo–hoooo–na na na n….
> I never said it will work for all but for majority it will. Recheck whole procedure and stop acting like kids.

26. Can I trust Entropay, PayPal for all documentation etc?
> They are doing business since long. They have business accreditation and proper registrations. They are trusted in the industry.

27.  I still don’t trust any of this.
> Your Problem. You have to take risk to gain something.

28. Will this card work with AlertPay, MoneyBookers?
> AlertPay – I don’t know. Please try with same method as in this post and report back. MoneyBooker surely doesn’t work.

29. This all looks fascinating. What is it about? What did I miss?
> This:  Getting Entropay card using SBI Maestro.

30. I got my SBI card blocked. All your fault.
> It can’t happen. SBI will never do it. If they did, it must be mistake. Contact bank officials. And it is not my fault. I don’t take responsibility for anything. Curiosity and needs always comes with risk.

31. What about charges for all these things? Is it not better to get real Credit Card?
> Foreign Currency exchange nominal charges + Entropay loading fee (generally $0.99) are the charges. But there is nothing else. In a real Credit Card, interest rates are higher. You have to pay for every transactions. You have to maintain fixed deposit or a current account (with huge amount), also you have to pay yearly charges. Then, which is affordable?

32. Is it safe to use this Card on Internet?
> Believe me, it is much safer because it is Prepaid card (with limit) and doesn’t disclose your identity. If you use real Credit card, you are in much more danger.

33. What information I have to enter while using Entropay online?
> Enter your name, address etc as it is. Use Card number, CVV and expiry date from the card.

34. Can I make more than 1 VCC in Entropay?
> Yes! Up to  10 at a time. But it is good to have only one. Every card you make needs at least one transactioon every 6 months.

35. Can I sell these cards and do business?
> Don’t do that. You can’t. Entropay have make arrangements that you can’t sell it. If you did, you will be at loss. You will not only get banned from your account and lose all money but you will create problems for other genuine users. Take your greed somewhere else.

36. Give me your contact number or where I can meet you?
> Sorry, too busy. Use ContactForm or comments to communicate. I am punctual in replying.

37. You at Pune? I am a girl, I want to meet you. What kind of guy are you?
> Pune – Yes. Meeting – Only if you are real. Kind of Guy – I am…..a Guy…. Question doesn’t belong here sorry. Lol!

38.  You are great and you write really to explain. How can I help you?
> Consider donating. It motivates. You can imagine : Collecting  every problem, compiling and answering to perfection is not a minutes work.

39. Am I forced to donate you? Or every month?
>  No! It is totally on you. Once or sometimes. You can’t if you don’t feel like. I just requested to consider. I will still be here helping you out. No offence. We are all friends.

Enough for now. My fingers are aching.

For any other problem or question you are having (which is not answered), comments are welcome.

Some New Questions: (update 05-Aug-2011)

1. How much time it takes for money to get loaded in Entropay Card from Bank account?
> It is always instant.

2. What is money held, lock etc?
>  Sometimes, a merchant selects to verify the card for fraud checks. This is done on any card (VCC or real) as it is merchant dependent. For a period they block the money they deserve (your purchase and payment). If they don’t find any problem they go ahead with transaction.

3. Merchant rejected my card and cancelled the transaction after it was successful?
> Fraud check! as said above. Merchant’s choice not Entropay or SBI problem. VCC Name, Address and other detail will never match with yours (given in shipping detail or profiles while shopping) as they don’t have one. So, the merchant cancels the order if you don’t produce a proof that you own that card.

4. Money refund by merchant? Time duration?
> If order is cancelled or wasn’t successful, you will get your money. Don’t worry about that, it is all automatic and as per VISA rules may take up to 10 days.

5. Why Entropay doesn’t shows  my recently made transaction and sometime money is still there after purchase?
> Merchant may have held money for fraud  check to complete. Other reason is common. This happens with VCC many times. The money is transferred but to reflect it takes 2-3 days. It also happens with real credit cards many times.

UPDATE: 30/Aug/2011

1. Can I use Bank Transfer to load funds to Entropay?
> Yes! It is possible, even from India. Read this post here (being written)

2. I have got SBI Classic Debit card. It doesn’t have  19 digit and it is VISA with CVV code. What shall I do?
> SBI released new cards with VISA, Expiry date & CVV code. Use the same process but put all real info instead of calculated one (why? >> because you have real details now).

3. I followed all but SBI Classic VISA is not working.
> Did you activated Verified by Visa and 3D-Secure on this one? Every card needs it separately. Is your card linked to your bank account properly? Verify all of these.

4. I am unable to pay to webhost directly using Entropay. What to do?
> Pay by using it in PayPal. Read this article and follow the trick.


  1. Suparna

    August 4, 2011 at 10:19 pm

    This was wonderful. Cleared all my doubts. I will sign-up now.


  2. mams

    August 31, 2011 at 3:20 am

    Can I receive my refunds from the merchant i BUY. And will it cost me or merchant?


    • Mrinal Buddekar

      August 31, 2011 at 7:34 pm

      @mams:Yes! You can receive funds in Entropay Card. Refer Entropay FAQ's for method.


  3. Carlos

    September 5, 2011 at 9:11 am

    I have a paypal account since 08-2010 and i use with entropay, it works great, i reached my sending limit so i buy a vba to verify the account! it works great finally my account was full verified! BUT my entropay VCC expired on august and when paypal ask me to put the new expire date and cvv it show me this error "We were unable to verify this credit card. Please check if the information you entered is correct. If the problem persists, please try to enter a different credit card." So can´t use my account anymore 🙁 What is your suggestion? BTW i have an argentinian account and my vcc expired on 05-11, when i update the expire date it works without a problem! I tried to open a new account (paypal USA) with another entropay vcc. and it shows me the same error! Pleaseeeeee heeeelp meeeeee the first thing i will do if it works will be a generous donation 😉


  4. Carlos

    September 6, 2011 at 4:11 am

    OK, so this is what i supposed to do… btw i live in South America but i have a address in Miami wich i use to send my items! So i will buy a virtual bank account to activate (this vba works only to activate paypal) and then i will create a new entropay visa vcc with the same info of my paypal! To me it is very important to open a US paypal account because most of the sellers do not want to send to a diferent address than the one on paypal! So the trick is to get verified by the bank and no with the vcc? The first paypal account that i create 1 year ago (the one with issues right now) was verified with the entropay vcc (in aug-2010) and 3 weeks ago with a vba to eliminate sending limitations! The last 2 steps… i don´t get it!


    • Mrinal Buddekar

      September 6, 2011 at 4:22 am

      @Carlos:Regarding bank account and verification.. you got all right. Last 2 steps can be used when you can't get it verified using Bank account method. Last 2 are for verification directly via Entropay VCC. For some reasons paypal rejects VCC for first 2 times in row but accepts it on 3rd time. If this 3 times trick fails then the last one can be used. In which while adding Emtropay card details (to verify paypal), you have to enter Address of Entropay company as given in pic.


  5. Carlos

    September 6, 2011 at 4:36 am

    i guess you put the wrong pic it does not show any address!


  6. D.Venkatesh

    September 10, 2011 at 2:48 am

    I have 2 questions…. 1.I dont have driving license…can i submit anything else for proof?? 2.what if i dont make any transactions for 6 months/??


  7. D.Venkatesh

    September 10, 2011 at 6:37 am

    and one final question….what happens after the VCC expires do i need to create a new one????….and will i get the same VCC number if i do so??


    • Mrinal Buddekar

      September 10, 2011 at 6:52 am

      @D.Venkatesh:You can create as many as you want. Even 2-3 at same time and also after expiring. No! You won't get same VCC number.


  8. D.Venkatesh

    September 10, 2011 at 8:42 pm

    One more….if my debit card validity starts from 2000 then according to the calculation we get 2015 as expiry date…so after that can I use the same debit card as a funding source or not??….


    • Mrinal Buddekar

      September 10, 2011 at 8:46 pm

      @D.Venkatesh:When that year and date comes just change the card detail which is available in option in Entropay.


  9. rohan

    September 14, 2011 at 6:14 pm

    hi , i wish to withdraw finds from entropay , theres a wire transfer option with $14 fee , but i want to ask that whether bank will be asking me any questions regarding source and purpose of funds as i want to withdraw $3000 in all , but will do it in parts say $450 each fortnight or so


    • Mrinal Buddekar

      September 15, 2011 at 1:54 am

      @rohan:As far as I know bank will not ask you anything. No one will ask anything right now. At end of financial year you may receive notice about income tax you are obliged to. If you pay it right now on amount of $3000 then there are no issues.


  10. willy

    September 16, 2011 at 3:57 am

    hi ….i wanted to know once i trafer my money to entro pay can i transfer it from entro pay to my liberty reserve account??


    • Mrinal Buddekar

      September 16, 2011 at 4:10 am

      @willy:Liberty Reserve doesn't accept money from any funding source. You have to use exchangers. Please go through Liberty Reserve usage guide again.


  11. Vinay

    September 27, 2011 at 12:29 am

    Hello, Waiting for your Online Bank transfer post.


    • Mrinal Buddekar

      September 27, 2011 at 12:44 am

      @Vinay:Sorry to say now Entropay doesn't support Online bank transfer for India. Manual transfer (deposit) is available.


  12. Abhinav Sinha

    September 27, 2011 at 3:09 am

    Sir, I didnt register my mobile or my card at the ATM and foolishly went for the online registration at the sbi 3d secure homepage.I then used it to shop through CCAvenue and the transaction was authorised successfully but then flipkart from which i was purchasing a product mailed me saying that the payment is under verification and something is wrong.I obviously hurried and messed up but can you tell me if I will get my money back and in how many days?My card is an SBI MAESTRO card.


    • Mrinal Buddekar

      September 27, 2011 at 3:32 am

      @Abhinav Sinha:If you used your SBI Maestro for payments then it will be cleared and transaction will complete. But if you used Virtual Credit card from Entropay then after verification it will fail. When transaction is declined then you will get your money back in 5-6 days.


  13. Abhinav Sinha

    September 27, 2011 at 5:59 am

    Thanks sir !


  14. Vinay

    September 27, 2011 at 6:15 pm

    Thank you for your quick reply. Some more info on how to do manual deposit would be great.Can I deposit from any local banks ? I am facing some problems with my SBI ATM cum Debit Card, so looking for alternatives. BTW you doing some great job here. 🙂


    • Mrinal Buddekar

      September 27, 2011 at 8:39 pm

      @Vinay:Today evening I will write about Manual Transfer. But it is only available after at least 1 Card transaction. So keep trying with card thing.


  15. aravindan

    November 26, 2011 at 8:46 am

    Thanks for the post, useful If you are from Indian why don't use HDFC (http://www.hdfcbank.com) Free VCC, never gets rejected, TOTALLY FREE, no charges at all Walk-in to any hdfc bank, create an account (verification documents as of any bank acc.) Register for 'netsafe' online create VCC (needs 2 clicks only), set amount , pay, single transaction, expires in 48 hrs


  16. pritesh

    December 6, 2011 at 11:54 pm

    can i use sbi atm cum debit card to add money in entropay account



    December 7, 2011 at 12:25 am



  18. shalini

    December 18, 2011 at 4:34 am

    i tried sib maestro card , i got general error msg, do u know how to use hdfc vcc with paypal ??


    • Mrinal Buddekar

      December 19, 2011 at 12:39 am

      @shalini:Nowadays many are reporting this. May be its not working for everyone and every time. I never guaranteed it but you shall try some other time. HDFC VCC is only available to HDFC account holders. You can login to Internet Banking and create it. PayPal and HDFC is nearly an impossible thing to do. Actually even other Indian VCC also as all are one time use. PayPal will exhaust the 1 Use in verifying and addition of card will be useless. Whereas you can try the same method of Entropay and PayPal which may bypass verification and directly go to payment. Ecocard – have many features but still I need to test it as it has high fees and charges. For that I will need to wait for sometime; so you can go ahead and try it and let me know about the results.:-)


  19. nazim12

    December 19, 2011 at 3:23 am

    hi, if we make payment through entropay and the transaction got a dispute. but want refund in paypal account not in entropay is this possible? how? please help.


  20. suresh alapati

    December 21, 2011 at 2:18 am

    i think sbi mastero card wont have cvv code and expiry date then how can we use it


  21. vinny

    January 10, 2012 at 4:58 pm

    i made a fundtransfer from my entropay account to my bank…. so generally how long will it take for the funds to come into my bank account


  22. Vin

    January 15, 2012 at 6:48 pm

    I couldn’t load SBI Classic VISA . Why? First it say ‘Transation Declined’ Secondly I tried but it say ‘General Service Error’. 1. My card 3d secure code is activated. 2. Internet Banking(Full Transaction not sure) but able to buy online(ebay.in). 3. I already have mobile banking.


  23. vine

    January 17, 2012 at 1:21 pm

    u deleted my post will silver debit card work?


  24. vine

    January 17, 2012 at 1:32 pm

    how do i know i have full transaction right for internet banking? I was able to pay online like ebay.in, so i have full transaction right. Right??? Please reply


  25. prakash

    April 8, 2012 at 11:48 pm

    2 FDR has been made in SBI in 1998 as per court order, with rate of interest 11.5% up to due date 1) 14-10-2014, 2) 14-10-2016 But the bank has reduced the rate of interest instead of the original rate of interest 11.5% without given information to me, few years ago. What should I do?


  26. Prakash

    May 12, 2012 at 9:39 pm

    Pl. Reference #43 prakash : Dt. Apr 8, 2012 Yet not received any reply of Guideline from your side. Pl. help me.


    • Mrinal Buddekar

      May 14, 2012 at 2:14 am

      @Prakash:I didn't reply to that because I never understood what you want to say. This article is a pre-solved question and their answers only regarding Entropay, PayPal and SBI. Not any finance related consultation.



    May 16, 2012 at 5:28 pm

    what are the other secure websites to create VCCs with less service charge,,,


    • Mrinal Buddekar

      May 18, 2012 at 2:37 am

      @SUBI_PILOT:None. There are nothing like "Secure VCC creation sites". All are vulnerable and dangerous. It is your choice to go ahead or not.


  28. daman

    May 23, 2012 at 8:00 pm

    Hi, can i use entropay with my State Bank of Patiala debit card? My debit card is same of SBI. please reply.


  29. david

    June 4, 2012 at 7:02 am

    Hello, How to reverse money from vcc to SBI account? Give detailed procedure if possible to prevent errors.


  30. adithya

    November 14, 2012 at 8:16 pm

    i already opened an entropay account and i m a premier account holder( after submitting all the documents.
    but still i am not able to load money from my sbi visa classic debit card. after entering the 3D secure code, it says “your transaction cannot be processed. a problem with ur debit/credit card prevent us”
    what is this????


  31. PrIyAnGsHu

    January 16, 2013 at 11:52 pm

    Hey bro, are VISA debit cards from SBI still accepted by Entropay ? I have been trying to top up my VCC since long but it’s not letting me do that. I have contacted support and they said that my bank is refusing the transaction. What to do now ? Please help.


    • Mrinal Buddekar

      January 17, 2013 at 8:51 pm

      @PrIyAnGsHu: That I can’t say for sure. Sometime it works and sometimes not. For some people it never works. No one really know on what it depends.


  32. Amiya

    February 8, 2013 at 1:03 am

    Can i use Voter card instead of Driving license because i don’t have driving license ???


    • Mrinal Buddekar

      February 8, 2013 at 10:32 am

      @Amiya: Yes it can work but you need to be above 18 years.


  33. Sharon Bava

    February 19, 2013 at 11:44 pm

    Awesome man… All doubts cleared under one roof.


  34. Amiya

    March 29, 2013 at 3:19 am

    I accidentally submitted debit card full details to entropay: card number with signature and cvv number.. i mean both side full screenshot.. Will there be any problem in my account.. Kindly reply plz.


    • Mrinal Buddekar

      April 1, 2013 at 8:26 pm

      @Amiya: You should always avoid this full disclosure of financial details. Here you are lucky that it is a reputed company so there are negligible chances of any fraud. I am saying negligible because even if a company is legit that doesn’t mean humans working there will be. Some support person may turn evil some time. So avoid it. You can drop them a mail to confirm the safety of your private data so you will have a documentation of this thing. I hope it helps.


  35. snehil

    October 3, 2013 at 7:15 am

    Hello Mrinal, I came to know about entropay from your article and it solved much headache for not using credit card online and i feel quite safe now. But i am in trouble with paypal now. I by mistake, chose to verify entropay associated with my paypal and could not read your instruction in your other article that one should not try to verify it in pp, but i did. I could verify also but now they are asking for photo id and “card’s statement” with name,address,complete card number. I have been using paypal for last 1 year with a verified local bank a/c. But now what should i do, please help ASAP..


  36. Rajesh

    December 22, 2013 at 10:38 pm

    This is really informative page. Thanks.


  37. Helene D'Souza

    April 19, 2014 at 10:20 am

    Thanks for the info, very useful.
    Can I ask you if anything has changed in the above mentioned. Any updates to the way entropay works?


    • Mrinal Buddekar

      April 19, 2014 at 2:50 pm

      Welcome. Entropay may not accept Debit cards from many countries. They has changed this in accordance to rules of financial institution set by region. For some countries, debit card works, for some doesn’t. Other than that everything is quite same with EP.


  38. Abhishek

    July 22, 2014 at 5:53 pm

    Dear Mrinal,
    Can you please tell me if I can transfer money from my SBI debit card to entropay. Actually I tried today but I was not redirected to the 3D secure password page.
    What should I do?


  39. Rashid

    September 17, 2016 at 12:04 pm

    Question: 1.There is 4$ balance money in my entropay virtual card. How Can I return the money to my bank?


  40. Ravi

    January 21, 2018 at 5:32 am

    My card has expiry month December but it is missing in entropay account when I top up my entropay card my bank declined due to expiry date


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