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Bank card payment
Questions and answers about card payments made on the internet
What types
of card can be used for making payment?
VISA
and MasterCard embossed cards and certain VISA Electron cards. Whether you can
use VISA Electron cards for online transactions depends on the bank that issued
the card. The VISA Electron cards that are issued by CIB can be used for making
purchases online.
Which bank
cards are suitable for making online payments?
All
embossed VISA cards and MasterCards/Maestro that have been enabled for online
payment by the card-issuing bank, as well as webcards that are specifically
designed for online use.
Is it
possible to pay with shopping cards?
It
is not possible to make payments online using points-based loyalty cards issued
by merchants or service providers.
Is it
possible to pay with co-branded cards?
It
is possible to pay using any co-branded card, provided that it is a MasterCard
or VISA card suitable for making payments online.
THE PAYMENT
PROCESS
What happens
at the bank in terms of support processes for online payment?
After
selecting ‘card’ as the method of payment on the merchant’s/service provider’s
website, the person making the purchase initiates the payment, as a result of
which he or she is redirected to the bank’s payment page equipped with a secure
communication channel. In order to make the payment, you will need to enter the
card number, the expiry date of the card, and the 3-digit validation code that
is on the signature strip on the reverse side of the card. It is you who starts
the transaction; after that, the card undergoes a real-time authorisation
process in which the genuineness of the card data, the funds coverage and the
purchase limit are checked. If all the data is satisfactory, the transaction
can be continued and your account-keeping (card-issuing) bank blocks the
payable amount on your card. The amount will be charged to (debited from) your
account within a few days, depending on the account-keeping bank.
How does
buying on the internet using a card differ from conventional card purchases?
There
are important differences between what are known as ‘card-present’ transactions
and ‘card-not-present’ transactions. Card-present transactions take place using
a POS terminal. After the card is swiped and the PIN code is keyed in, the
terminal contacts the cardholder’s bank via the authorisation centre and,
depending on the type and the issuer of the card, through the VISA or
MasterCard network. This is where the validity of the card is verified and the
coverage check is performed (i.e. where authorisation takes place). The
response is sent back along this same path, and thus the POS terminal (or the
merchant) receives the authorisation or the rejection. The buyer then signs the
sales slip. Card-not-present transactions are where the bankcard is not
physically present at the time of processing. These include transactions
initiated by way of a posted letter, by phone or electronically (over the
internet), where the buyer (cardholder) initiates the transaction by entering
the requested card data on a (128-bit encrypted) payment page. Here, you
receive an authorisation number related to the successful transaction, which is
the same as the number you find on a paper-based sales slip.
What does
reservation mean?
As
soon as the bank is informed of the transaction, reservation (blocking)
follows, since for the actual debiting to take place the official data must
first arrive, which takes a few days and during this time the money earmarked
for the purchase could otherwise be spent on something else. For this reason,
the money that has been used for the purchase or withdrawn in cash is separated
and ‘reserved’. The reserved amount remains part of the balance of the account,
that is, it continues to earn interest, but it cannot be spent again. Reservation
ensures that any transactions for which there are no longer sufficient funds
are rejected, even though the account balance would otherwise allow the
transaction to go through. If the debit instruction does not arrive within the
space of a few days, the bank may release the reserved amount, which thus
becomes spend able again.
UNSUCCESSFUL
PAYMENTS AND WHAT TO DO ABOUT THEM
When might a
transaction be unsuccessful?
Generally,
these are payment orders that are not accepted by the card-issuing bank (i.e.
the bank from where the customer obtained the card), though where bankcards are
used, the reason could also be that due to a telecommunication or computer
error, the request for authorisation has not reached the card-issuing bank.
Possible
problems related to the card
- The card is not suitable for
making online payments.
- The use of the card online has
been prohibited by the account-keeping bank.
- The card has been blocked.
- The card data (card number,
expiry date, code on the signature strip) has been incorrectly inputted.
- The card has expired.
Possible
problems related to the account
- There are insufficient funds on
the account for the transaction to be executed.
- The amount of the transaction
exceeds the purchase limit set for the card.
Possible problems
in the connection
- There may have been a break in
the connection during the course of the transaction. Try again!
- The transaction was
unsuccessful because you were timed out. Try again!
Possible
‘technical’ problems
- If you are not returned from
the payment page to the merchant’s or service provider’s website, this
means that the transaction has not gone through successfully.
- If you have been returned from
the payment page, but you then go back to the payment page using the
browser’s ‘back’, ‘reload’ or ‘refresh’ function, the system will
automatically reject your transaction for security reasons.
What should
you do if the payment procedure is unsuccessful?
For
all transactions, a transaction identifier is generated, which we recommend you
note down. If during the payment attempt the transaction is rejected from the
bank’s side, please contact your account-keeping bank.
Why do I
have to contact my account-keeping bank if the transaction is unsuccessful?
During
the card-verification procedure the account-keeping (card-issuing) bank sends a
note to the merchant’s bank collecting the amount (i.e. the ‘acquirer’ bank),
asking if the transaction can be executed. The acquirer bank is not allowed to
disclose any confidential information to the customer of another bank, only the
bank that identifies the cardholder has the right to do so.
What does it
mean if I get a text message from my bank about the reservation/blocking of the
amount, but the merchant/service provider indicates that the payment was
unsuccessful?
This
can happen if the card was verified on the payment page but you did not return
to the merchant’s/service provider’s website. If this is the case, the
transaction is regarded as incomplete and is thus unsuccessful. In such cases
your card is not debited with the amount and the reservation is released.
SECURITY
What do
VeriSign and an ‘SSL communication channel with 28-bit encryption’ mean?
SSL
(which stands for Secure Lockets Layer) is a widely accepted encryption
procedure. Our bank has a 128-bit encryption key, which protects the
communication channel. The company VeriSign enables CIB Bank to use the 128-bit
key, which in turn allows us to provide SSL-based encryption. Currently this
encryption method is used in 90% of all e-commerce trade worldwide. With the
SSL functionality, the browser software used by the shopper encrypts the
cardholder’s data prior to transmission, and thus the data is sent to CIB Bank
in a coded form, which ensures that it cannot be deciphered by unauthorised
persons.
After the
payment my browser warned me that I was about to leave the security zone. Is
the security of my payment still guaranteed?
Yes,
absolutely. The payment process takes place on a 128-bit encrypted
communication channel, so it is completely secure. After the transaction, you
get back to the merchant’s website, and if the merchant’s website is not
encrypted, your browser warns you that you have left the encrypted channel.
This does not mean that the security of the payment is in any way jeopardized.
What is the
meaning of the CVC2/CVV2 code?
In the case of MasterCard, the ‘Card Verification Code’, and in the case of Visa, the ‘Card Verification Value’, is a coded numerical value stored on the magnetic strip of the card, with which it can be established whether a card does in fact exist and is valid. When shopping online you need to give the CVC2 code, which is the last three digits of the row of numbers that you’ll find on the reverse side of your MasterCard.
What does Mastercard
SecureCode mean?
Holders of MasterCard cards who are registered in the Mastercard SecureCode system choose a password at the card-issuing bank, with which they can identify themselves when shopping online and which helps ensure that their MasterCard cards are not used by unauthorized persons. CIB Bank accepts cards that have been issued within the Mastercard SecureCode system.
What does
Verified by Visa mean?
Holders
of Visa cards who are registered in the Verified by Visa system choose a
password at the card-issuing bank, with which they can identify themselves when
shopping online and which helps ensure that their Visa cards are not used by
unauthorized persons. CIB Bank accepts cards that have been issued within the
Verified by Visa system.
What is the
UCAF code?
This is a unique code you may have been given by your card-issuing bank in the case of a MasterCard. If you did not receive such a code, leave the field blank.
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