>It is amazingly hard to get any information from anyone on this topic. Truer words have seldom been written before. What you might find even more amazing is

>It is amazingly hard to get any information from anyone on this topic. Truer words have seldom been written before. What you might find even more amazing is the fact that almost ALL bank staffers are equally ignorant/in the dark about online/international payments. Case in point: I have had a Corporation Bank account of which the debit card just wouldn't work for online payments. Sometime ago, a niece opened an account with them (at a different branch). Shortly afterwards, she needed to make an international payment. On checking with the branch, she was told it (the debit card) wouldn't work. She thought of trying anyway and guess what - it DID work!! On coming to know this, I asked my branch - they said no idea. Next, I asked her branch - the same answer. I had also had a similar experience with ICICI bank debit card, that wouldn't work. After a good bit of struggle calling back and forth and personal visits to the branch, I learnt that their older debit cards won't work, but they do have a newer 'Chip and Pin' version that would work. After getting this (new) card, I've been able to use it without a problem (with 2FA). HTH