Kérdések és válaszok kártyás fizetésről

CARD ACCEPTANCE

What kind of cards can I pay?

With VISA and Mastercard embossed cards, with some VISA Electron, V Pay cards. The possibility of using VISA Electron cards on the Internet depends on the card issuing bank. A VISA Electron type of bank card issued by CIB can be used for online shopping.

Which bank cards are suitable for online payment?

All VISA and Mastercard / Maestro cards that have been authorized by the card issuing bank for online payment and webcards specifically designed for internet use.

Can you pay with a shopping card?

You can not pay on the internet with point-of-collection cards issued by merchants / service providers with loyalty points.

Can it be paid with co-branded cards?

You can pay with any co-branded card that is a MasterCard or VISA card for online payment.

 

PAYMENT PROCESS


How does the online bank payment process work?


The buyer initiates the payment on the merchant / service provider's website after choosing the payment method of the bank card, which will be transferred to the Bank's secure payment channel. For payment, enter the card number, expiration date, and the 3-digit validation code on the back of the card's signature banner. You initiate the transaction, from which time the card will go through real-time authorization, in which the card's originality, coverage and purchase limit will be checked. If all the details of the transaction are resumed, the amount of money to be paid by your account-holder (card issuer) bank is blocked on your card. Depending on the bank account, the debit will be debited within a few days.


How does online card purchase differ from tradition?


We distinguish between Card Present and Card Not Present transactions. The Card Present transaction is done using a POS terminal device. After withdrawing the card and entering the PIN code, the terminal will contact the cardholder's bank through the authorization center and depending on the type of card or the card issuer through the VISA or MasterCard network. Validation and Coverage Examination (Authorization) takes place here. By going backward on the first route, the POS terminal (or merchant) will receive approval or rejection. The buyer signs the certificate. Card not Present is a transaction where the bank card is not physically present. This includes transactions by mail, telephone, and electronic (internet) transactions where the customer (cardholder) initiates the transaction by providing card data requested by a secure (256 bit encrypted) payment page. You will get a successful transaction. license number, which is the same as the number on the paper-based certificate.

What does reservation mean?

The transaction is followed immediately by the bank when it comes to the bank's notice, since the actual charge must first be received by the official data, which takes a few days and the amount purchased can be reused. For this reason, the money you buy or borrow is secured by booking. The reserved amount is included in the account balance, ie it has interest, but can not be spent again. The reservation provides for the refusal of transactions for which there is no collateral, even though the account balance may in principle still provide an opportunity. 

SUCCESSFUL PAYMENTS AND ACQUISITIONS

In which case can a transaction fail?

In general, a payment order not accepted by the card issuing bank (ie where the customer has received the card); but in the case of bank card use, this may also be due to the fact that due to a telecommunications or IT error, the license request does not reach the card issuing bank.

Card error

· The card is not suitable for online payment.

· The use of the card on the Internet is prohibited by an account management bank.

· Card Usage is forbidden.

· The card data (card number, expiration, signature line code) was entered incorrectly.

· The card has expired.

Account error

· No coverage for the transaction.

· The transaction amount exceeds the purchase limit of the card.

Connection error

· The line may have been interrupted during the transaction. Please try again.

· The transaction was unsuccessful due to a timeout. Please try again. 

A technical error

· If the payer did not return to the merchant / service provider's page, the transaction failed.

· If you are back from the payer, but your browser returns to the payer with "back", "reload" or "refresh", your transaction will automatically be rejected for security reasons.

What to do if the payment process fails?

A transaction identifier is always generated for the transaction, which we recommend recording. If, during a payment attempt, a bank-to-bank transaction is rejected, please contact your bank account manager.

Why should you contact the account-keeping bank in case of payment failure?

During card verification, the account-issuing bank notifies the merchant's (accepting) bank of the amount that the transaction can be performed. The accepting bank may not disclose confidential information to the customer of another bank, only the bank identifying the cardholder has the right to do so.

What does it mean if I received SMS from the bank for booking / locking the amount, but does the merchant / service provider indicate that the payment was unsuccessful?

This phenomenon may occur if the card has been verified on the payer page, but you have not returned to the merchant / service provider's web site. The transaction is unfinished in this case, so it automatically becomes unsuccessful. In this case, the amount will not be charged on your card, the booking will be canceled. 

SAFETY

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

TLS, abbreviation for Transport Layer Security Accepted Encryption. Our bank has a 256-bit encryption key that protects the communication channel. The company VeriSign allows CIB Bank to use the 256-bit key to provide TLS based encryption. At present, 90% of the world's electronic commerce uses this encryption method. The browser used by the customer uses TLS to encrypt the data of the cardholder before sending them, so they are sent to CIB Bank in encrypted form, so they can not be interpreted by unauthorized persons.

After payment, my browser warned me to leave the security zone. Is my salary so secure?

Totally yes. The process of payment is based on a 256-bit encrypted communication channel, so it's completely safe. After the transaction, you will be returned to the merchant's website if the merchant's site is not encrypted, your browser will warn you that you have left the encrypted channel. This is not a threat to payment security.

What does CVC2 / CVV2 code mean?

For MasterCard, the so-called Card Verification Code, Visa. The Card Verification Value is a numeric value encoded on the magnetic stripe on the bankcard to determine the authenticity of a card. The so-called. CVC2 code, which is included in the last three digits of the number on the back of the Mastercard / Maestro cards, must be provided during the online shopping.

What does Verified by Visa mean?

Visa cardholders registered with Verified by Visa will choose a password from the card issuing bank to identify themselves for online shopping and to protect against unauthorized use of Visa cards. CIB Bank accepts cards issued within the framework of the Verified by Visa system.

What does Mastercard SecureCode mean?

Mastercard / Maestro cardholders registered with Mastercard SecureCode will choose a password from the card issuing bank to identify themselves for online shopping and to protect against unauthorized use of Mastercard / Maestro cards. CIB Bank accepts the cards issued within the Mastercard SecureCode system.

What does UCAF code mean?

In case of MasterCard / Maestro cards, any unique code that may be obtained from your card issuer bank. If you did not receive this, leave the field blank.