Q&A questions


What types of cards can I pay for?

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

Which bank cards are eligible for online payments?

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

Can I pay with credit cards?

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

Can I 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.


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. You initiate the transaction, from then on the card goes through real-time authorization, within which the authenticity, coverage and purchase limits 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 bank holding the account (card issuer). 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 performed using a POS terminal device. After removing the card and entering the PIN code, the terminal will contact the cardholder’s bank, via the authorization center, and via the VISA or MasterCard network, depending on the type of card and the card issuer. Validity and coverage checks (authorization) take place here. Going back on the former route, the POS terminal (or the merchant) will receive 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 electronic means (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 an authorization number equal to the number on the paper-based receipt.

What does the booking mean?

The transaction is immediately followed by a reservation (blocking) when the bank becomes aware of it, as the official data must first be received for the actual debit, which takes a few days and below which the purchased amount can be spent again. Therefore, with the reservation, the money bought or withdrawn is separated and placed under the reservation. The booked amount belongs to the account balance, ie it bears interest, but once again it cannot be spent. The reservation ensures the rejection of transactions that are no longer covered, although in principle the account balance would still allow this.


When 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 the use of 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 bank issuing the card.

Card error

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

Account type error

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

Connection error

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

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Technical error

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

What to do if your payment process fails?

In each case, a transaction ID is generated from the transaction, which we recommend to record. If a transaction is declined from your bank during the payment attempt, please contact your account-holding bank.

Why contact your account-holding bank if payment fails?

During the card check, the bank holding the account (issuing the card) notifies the bank of the merchant (acceptor) collecting the amount whether the transaction can be completed. 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 receive an SMS from my bank reserving / blocking the amount and the merchant / service provider indicates that the payment was unsuccessful?

This phenomenon can 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 and will automatically fail. In this case, the amount will not be charged to your card and the booking will be canceled.


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

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 uses TLS to encrypt the cardholder’s data before sending it, so it is sent to CIB Bank in encrypted form, so it cannot be interpreted by unauthorized persons.

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

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 credit card that can be used to verify the authenticity of a card. The so-called The CVC2 code, which appears in the last three digits on the back of the Mastercard / Maestro card, must be entered when shopping online.

What is Verified by Visa?

Verified by Visa is a security check for Visa cardholders based on a one-time code or biometric identification (facial recognition, fingerprint, and other human characteristics) set by the card-issuing bank to identify themselves when shopping online and to protect against unauthorized use of Visa cards. . CIB Bank accepts cards issued within the framework of the Verified by Visa system.

What is Mastercard Identity Check (ID Check)?

Mastercard ID Check is a security check by Mastercard / Maestro cardholders based on a one-time code or biometric identification (facial recognition, fingerprint, and other human characteristics) set at the card issuing bank to identify themselves when shopping online and to protect Mastercard / Maestro. against unauthorized use of the card. CIB Bank accepts cards issued within the framework of the Mastercard ID Check system.


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