Credit card payment

Our webshop provides its customers with a secure bank card payment solution provided by CIB Bank. Security is based on data separation. The Webshop receives information related to the order from the customer, and CIB Bank only receives the card data required for the payment transaction on the payment page with 256-bit TLS encryption. The Webshop is not informed about the data content of the payment page, they can only be accessed by CIB Bank. The results of the transaction will be announced on the Webshop page after the payment. To pay by card, your internet browser must support TLS encryption.

The consideration for the purchased goods / services and the amount paid will be immediately blocked on your card account. Please read our detailed information!

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Welcome to our Webshop operating with CIB Bank's secure internet payment solution!

Here’s a brief overview of how to manage your shopping in a safe way.

What to look for when shopping?

•      Read the description of our Webshop, the conditions of purchase and the conditions of delivery and payment!
•      Study the security conditions of the Webshop, as this guarantees the security of your data!
•      Keep track of your purchase information!
•      Keep track of your payment transaction information! (transaction ID, authorization number)
•      Ensure that your confidential card information is never accessed by an unauthorized person.
•      Use a browser that supports the TLS encryption option.

About security

TLS stands for Transport Layer Security. Our bank has a 256-bit encryption key that protects the communication channel. A company called VeriSign allows CIB Bank to use the 256-bit key to secure TLS-based encryption. Currently, 90% of the world’s e-commerce uses this encryption method. The browser program used by the customer encrypts the cardholder's data with the help of TLS before sending, so they are sent to CIB Bank in encrypted form, thus they cannot be interpreted by unauthorized persons.

Accepted cards

CIB Bank's online payment system allows the use of Mastercard / Maestro, VISA and VISA Electron bank cards (only if authorized by the issuing bank) in the VISA product family, as well as payment with a web card suitable for internet use.

Payment steps

1.     You select the goods / services on the Webshop page, the amount of which you want to pay by credit card.
2.     You will then be taken to CIB Bank's secure payment guarantee page, where you will need to fill in your card details to start the payment.
3.     After entering the card details, you can start the transaction by clicking the Payment button
4.     After the payment, you will return to the Web Store page, where you will receive a confirmation of the result of the transaction.

In the case of payment by credit card, after a successful transaction - this means acceptance after checking the validity of the credit card and the cover - CIB Bank will start debiting the Cardholder's account with the consideration for the goods or services.

If you are not redirected from the payment page to the Web Store page, the transaction will be considered unsuccessful. If you click on the "Back" or "Refresh" button of the browser on the bank payment page, or closes the browser window before being redirected back to the store, payment will be considered unsuccessful.

If you would like more information about the result of the transaction, in case of its failure, the reason and details, please contact your bank account.

Questions and answers about internet card payment

CARD ACCEPTANCE

What types of cards can I use to pay?

With VISA and Mastercard embossed cards, respectively. with some VISA Electron, V Pay cards. The possibility to use VISA Electron cards on the Internet depends on the bank issuing the card. The VISA Electron type bank card issued by CIB can be used for online purchases.

Which banks' cards are suitable for online payments?

With all VISA and Mastercard / Maestro cards that have been authorized for internet payment by the card issuing bank, as well as web cards specifically designed for internet use.

Is it possible to pay with shopping cards?

Points collection cards issued by merchants / service providers with loyalty points cannot be paid for online.

Is it possible to pay with co-branded cards?

It is possible to pay with any co-branded card that is a MasterCard or VISA based card suitable for online payment.

PAYMENT PROCESS

How does the online payment bank background process work?

The customer initiates the payment on the merchant / service provider's website after choosing the bank card payment method, as a result of which he is transferred to the payment page of the Bank with a secure communication channel. To make a payment, you must provide your card number, expiration date, and the 3-digit verification code on the signature strip on the back of the card. The transaction is initiated by you, from then on the card goes through real-time authorization, within the framework of which the originality, coverage and purchase limit of the card data are checked. If all the data is sufficient to continue the transaction, the amount to be paid will be blocked on your card by the account holder's (card issuer's) bank. The amount will be debited (deducted) within a few days, depending on the bank holding the account.

How is online card shopping different from traditional shopping?

We distinguish between Card Present and Card not Present transactions. The Card Present transaction is done using a POS terminal device. After removing the card and entering the PIN code, the terminal contacts the cardholder's bank, through the authorization center and, depending on the type of card and the card issuer, via the VISA or MasterCard network. This is where the validity and coverage check (authorization) takes place. Going back on the former route, the POS terminal (or the merchant) receives the approval or rejection. The buyer signs the receipt. A Card not Present is a transaction in which the credit card is not physically present. This includes transactions carried out by letter, telephone or electronically (Internet), in which case the customer (cardholder) initiates the transaction by entering the card details requested on the secure (256-bit encrypted) payment page. You will receive a so-called license number, which is the same as the number on the paper document.

What does the reservation mean?

FAILED PAYMENTS AND ACTION TO BE TAKEN

In what cases can a transaction fail?

Usually a payment order not accepted by the card issuing bank (i.e. where the customer received the card); but in the case of using a bank card, this may also be due to the fact that due to a telecommunication or IT error, the request for authorization will not reach the card issuing bank.

Card error

•         The card is not suitable for online payments.
•         The use of the card on the Internet is prohibited by the bank holding the account.
•         Card use is prohibited.
•         The card details (card number, expiration date, code on the signature strip) were entered incorrectly.
•         The card has expired.

Account type error

•         There is no collateral to complete the transaction.
•         The transaction amount exceeds the card purchase limit.

Connection error

•         The line may have been broken during the transaction.
•         The transaction failed due to a timeout. Please try again.

Technical error

•         If you did not return from the payment side to the merchant / service provider side, the transaction will fail.
•         If you have returned from the payment page, but the browser returns to the payment page using "back", "reload" or "refresh", your transaction will be automatically rejected for security reasons.

What to do if the payment procedure fails?

Why contact the account-holding bank in case of payment failure?

During the card check, the account-holding (card-issuing) bank notifies the merchant (acceptor) bank collecting the amount whether the transaction can be performed. The accepting bank may not disclose confidential information to a customer of another bank, only the bank identifying the cardholder has the right to do so.

However, what does it mean if I received an SMS from my bank to reserve / block the amount, but the merchant / service provider indicates that the payment was unsuccessful?

This phenomenon may occur if the card has been verified on the payment page, but you have not returned to the merchant / service provider's website. In this case, the transaction is considered incomplete, so it is automatically considered unsuccessful. In this case, the amount will not be charged to your card, the reservation will be canceled.

SAFETY

What do VeriSign and the 256-bit encrypted TLS communication channel mean?

TLS stands for Transport Layer Security. Our bank has a 256-bit encryption key that protects the communication channel. A company called VeriSign allows CIB Bank to use the 256-bit key to secure TLS-based encryption. Currently, 90% of the world’s e-commerce uses this encryption method. The browser program used by the customer encrypts the cardholder's data with the help of TLS before sending, so they are sent to CIB Bank in encrypted form, thus they cannot be interpreted by unauthorized persons.

After payment, my browser warned me to leave the security zone. Is the security of my payment guaranteed in this way?

Absolutely yes. The payment process takes place over a 256-bit encrypted communication channel, making it completely secure. After the transaction, you will be returned to the merchant's website, if the merchant's page is not encrypted, your browser will warn you that you have left the encrypted channel. This does not pose a threat to payment security.

What does the CVC2 / CVV2 code mean?

In the case of MasterCard the so-called Card Verification Code, in the case of Visa the so-called Card Verification Value is a numeric value encoded on the magnetic stripe of a bank card that can be used to determine the authenticity of a card. The so-called The CVC2 code, which appears in the last three digits of the number on the back of Mastercard / Maestro cards, must be entered when shopping online.

What does Verified by Visa mean?

Visa cardholders registered in the Verified by Visa system choose a password from the card-issuing bank, which allows them to identify themselves when shopping online, and which provides protection against unauthorized use of Visa cards. CIB Bank accepts cards issued within the framework of the Verified by Visa system.

What is Mastercard SecureCode?

Mastercard / Maestro cardholders registered in the Mastercard SecureCode system choose a password from the card-issuing bank, which allows them to identify themselves when shopping online and which provides protection against unauthorized use of Mastercard / Maestro cards. CIB Bank accepts cards issued within the framework of the Mastercard SecureCode system.

What does the UCAF code mean?