Secured e-pay is an additional security system for KTC cardholders when shopping or payment online. The system was developed to meet the “3-D Secure” standard of Visa’s Verified by Visa, MasterCard’s MasterCard SecureCode and JCB’s J/Secure. Its security mechanism includes verifications of your personal password and personal assurance message in online payment process. The main advantage for cardholders is that there is a decreased risk of other people being able to use their payment cards fraudulently on the Internet. The system is also transmitted using SSL 256-bit standard.