PAN Card – 3D Secure

by | Feb 1, 2023 | Indian Law, Indian Law Weekly Round-Up, PAN, Taxation

If you’re attempting to apply for your Overseas Citizen PAN card online, you may have come across intermittent issues when trying to make payment for your PAN – 3D Secure.

In this article you will find helpful information in relation to making payment for your PAN from outside of India using an international payment card.

Before we begin, here are a few key points about the Indian PAN Card for Overseas Citizens.

PAN Overview

  • An Overseas Citizen can apply for a PAN card online.
  • The full form of PAN is Permanent Account Number.
  • You will need a PAN if you fall within the regulatory parameters of India.
  • PAN does not have an expiry date once issued.
  • You cannot hold more than one PAN.
  • Upon application submission the 10-15 days processing time applies.
  • PAN is required for financial institutions and transactions.
  • International credit card or debit card payment can be made for the application.

Clearly, the Indian PAN is an important part of your financial affairs in India. Equally important is its application process, specifically, the make payment stage. 

Fast forward into the latter parts of your online application, let’s consider the payment stage of the online PAN application.

As good practice, it is recommended that you fully understand the guidelines before applying online. Further, you should have a payment method such as a credit card or debit card to make payment for the PAN processing ready. Thirdly, you should ensure that your card is set up for 3D Secure. 

How can you make a payment for your PAN card application online

A common question, whether you can make a payment for the PAN processing fee during your application? Yes you can. 

During the application process, you can make a payment for your PAN card application online using the depositary payment gateway. At the point of payment stage you will be prompted to make payment via credit or debit card. 

However, to avoid any issue to your application, you should be prepared for “make payment” stages in relation to 3D Secure. 

Below we look at the depositary Protean eGov in relation to the 3D Secure requirement. 

For example, when at the stage of making payment for your PAN processing fee you will need to go through the secure payment gateway and process in order to be able to make a payment online. Which brings us onto the 3D Secure – Payment Services Directive.

What do you need to know before you begin.

3D Secure payment

The 3D secure system is an additional verification step with the card issuer when making a payment online. In some countries this has become a mandatory requirement. For example in the United Kingdom mid 2022, 3D secure notifications gained more prominence. 

However, 3D Secure has become mandatory in most transactions online depending on the payment method, amount, type, location, card issuer. 3D Secure is an extra layer of security for online transactions as per the Payment Services Directive. 

What is the 3D Secure payment

Upon entering your card details, a pop-up loads on screen from your card issuer. Enter the Secure passcode which is sent to your chosen method of notification ie; you may receive the secure code on your mobile phone for example. Also known as a “Passkey” or “Passcode.” 

3D Secure & Your Payment Card Issuer

Before you attempt to make payment, you must ensure that your preferred payment card is set up for 3D Secure Payment. You may need to speak with your bank/card issuer to ensure this is active. Without which you may not be able to confirm payment for the PAN card application fee online. Most major international credit and debit cards now have this system in place. 


Make a 3D Secure Payment 

Once you check that your payment card is 3D Secure ready, proceed to making a payment for your PAN. 

Briefly below you will find an outline of the make payment stage and what you should be looking for;

  1. On screen you will be presented with 3 options to make payment.
  2. Select the option that says “Online payment through Bill Desk”
  3. Then select either credit card or debit card payment option.
  4. On the payment screen, enter your card details. 
  5. You can use an international debit or credit card to make a payment. 
  6. Upon prompt enter 3D Secure passkey.
  7. Click make payment and pay confirm.

The payment amount and any associated exchange rate/fee will be in accordance with your card issuer. It is recommended to use a credit card of your choice. (Select credit card on the top left hand side of the screen). 

Once payment has been made you will see a “Payment Receipt” make note of the following: 

  1. Transaction reference number
  2. Bank Reference Number

It will also display “Transaction status “ref” – success” at the top of this screen. This informs you that your payment has been accepted. You will then see the payment confirmation screen and continue screen. 

Estimated Time Frame – PAN

We have segmented timeframe in three sections. The three stages to the estimated time frame in receiving your PAN once you begin are;

Firstly, read and understand the set parameters prior to applying online. Ensure that you have all necessary supporting documents as per the list of acceptable documents set out on the portal. This can take anywhere between 1-5 days.

Secondly, apply online and go through the steps to prepare and submit your application. This may take between 1-5 days depending on you.

Thirdly, the actual processing time by the depositary is estimated between 10-15 days. On some occasions it can be 15-20 days. This time frame would apply once your application has been received by them. You should account for any postal delays.

At this point, you may receive an E-PAN which is a copy of your physical PAN in electronic format. The updated physical PAN would arrive at your primary correspondence address.

For assistance in applying for your Overseas Citizen PAN, you may wish to use our Full PAN Assistance services.

Require an Indian Power of Attorney for your matters in India? We can assist.

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Frequently Asked Questions

Can I make payment for my PAN application online?

Yes you can using a debit or credit card.

Do I need a PAN card to open an NRO account for my property sale in India?

Yes, you will require a PAN card.

If my name is abbreviated on my bank statement will this be an acceptable proof of address?

No it will not. Your application may be rejected. Your full name must be shown on your POA.

I cannot make payment for my PAN online despite my card being 3D Secure?

There maybe an issue with the portal site. It is advisable to attempt making payment again with another card.

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