The applicant after filling details on and clicks 'Pay Now'. The applicant is redirected to SBIePay payment page and is presented with payment options like MasterCard and VISA. Applicant enters his card details and clicks 'Proceed'. Then the applicant may see one of the two options: (i.)3 D Secure page of the Card issuing page for inputing 3D Secure password/OTP (ii.)Transaction is processed without 3D Secure page. After successful completion of transaction, the applicant is redirected on to the with a successful receipt of payment.