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How do HSBCs secure online payment services work?

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How do HSBCs secure online payment services work?

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Register the secure online payment services with HSBC’s personal credit cards by creating your password and personal message. Shop online at participating merchants and pay with your HSBC’s personal credit cards which you have registered* for the secure online payment services. Verify that the authentication screen is genuine by checking that the personal message is the one you created at the time of registration. Enter your password to authenticate the transaction and complete your online purchase.

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*Sadly, we had to bring back ads too. Hopefully more targeted.