Our website offers safe bank card payment via CIB Bank. Safety is based on data separation. The website receives information only in relation to the order and the data required for the transaction is needed only on the payment site, which is constructed with 128-bite SSL encryption. Our website receives no information about the data content of the payment site, those are accessible only for the bank. The website informs you about the outcome of the payment following the transaction. For bank card payment your Internet browser needs to support the SSL encryption.

The offset of the service, the paid amount is blocked on your account immediately. Please read our detailed description.

Welcome to the CIB Bank’s safe online payment website.

Please find hereby our brief description about safe online payment.

What to pay attention to during your purchase?

• Read the description of our website, and the conditions of the purchase and the payment!
• Study the security conditions as the security of your data is guaranteed by this.
• Keep record of your data related to your purchase!
• Keep record of the data related to the transactions (transaction number, approval number etc.)!
• Make sure that your card details are inaccessible for unwarranted people.
• Make sure your Internet browser supports the SSL encryption option!

Safety

SSL is the abbreviation of Secure Sockets Layer, a widely accepted encryption method. Our bank possesses a 128-bite encryption key, which protects the communication channel. The VeriSign Company enables CIB Bank to use the 128-bite key, which provides us with the SSL based encryption. Nowadays this encryption is used in 90% of the world’s electronic trade. The browser used by the purchaser encrypts the data of the card owner with the help of the SSL prior to the data being sent. CIB Bank receives the data in codes, which are indecipherable for unwarranted people.   

Accepted cards

The online payment system of CIB Bank enables payments with cards included in the VISA and VISA Electron product lines (VISA Electron in case the issuing bank permits it), and it also supports transactions by web cards designed for online payment.

Steps of payment

1. Choose the product you would like to purchase on the website of the retailer/service.
2. After selecting the product you are directed to the absolutely safe payment website of CIB Bank, where you are requested to provide card details necessary for the transaction.
3. After providing the required card details you can initiate the transaction by clicking on the ’Payment’ button.
4. Following the payment you are directed to the original website where you are sent a confirmation about the transaction.

In case of a bank card payment following a successful transaction, which means the acceptance of the card after checking its validity and credit, CIB Bank initiates the reduction of the price of the product or service from the card holder’s account.

If you are not redirected from the payment site to the original website, the transaction is invalid. If you click the ’Back’ or ’Refresh’ buttons in your browser while you are on the payment website, or you close the window before being redirected to the original website, the transaction is invalid.

Should you need more information about the outcome of a transaction or the details of an invalid transaction, contact your bank account management.

Questions and answers about online payment 

Card acceptance

What kinds of cards are accepted for online payment?

You can pay by embossed VISA and MasterCard cards, and by some VISA Electron cards. The use of VISA Electron cards for online payment depends on the issuing bank. The VISA Electron bank cards issued by CIB Bank are applicable for online payment.

Which bank’s cards are applicable for online payment?

You can pay with every VISA and MasterCard (EC/MC) bank cards, which were validated by the issuing bank, or you can use any web card designed for online purchase.

Can I pay by customer card?

Payment by cards containing loyalty points or by reward cards issued by retailers or suppliers is not possible.

Can I pay by co-branded cards?

You can pay by those co-branded cards which are MasterCard or VISA based cards applicable for online payment.

Payment process

How does online payment work?

The customer initiates payment on the website of the retailer/service by opting for online payment and as a result the customer is directed to the secured payment site of the bank. In order to carry out payment the card number, the card’s expiry date, and the three-digit validation code at the back of the card – on the signature sticker – need to be provided. The transaction is initiated by you after which the card undergoes a process in which the originality of the data provided, the credit, and the purchase limit are checked by the bank. If the data are valid, the sum is blocked on your card by the issuing bank’s account management. The reduction of the sum appears on the account in a couple of days, depending on your bank account management.

How is online payment different from the traditional one?

Two types of transactions can be distinguished: Card Present and Card not Present. Card Present transactions are carried out with the help of the POS terminal facility. Following the card swipe and entering your PIN code the terminal contacts the car holder’s bank. This happens through the permission centre and depending on the issuer of the card through the VISA or MasterCard network. The validity and credit check happens at this stage (authorisation). Taking the same route backwards the terminal (and the retailer) receives the confirmation or rejection. The customer signs the receipt. The Card not Present is a transaction in which the bank card is physically not present. It includes transactions via mail, telephone, or online payments, during which the customer (card holder) initiates the transaction by entering the required card data on a safe (128-bite encrypted) payment site. You are sent a permission number about the valid transaction. It is equal to the number on the paper based receipt.

What does blocking mean?

The transaction is followed by the blocking of the sum as soon as the bank receives the information about the payment, as for the actual reduction of the money the data have to arrive, which takes a couple of days. During this time the amount could be spent, thus the sum of the purchase is blocked. The blocked sum is part of the account balance, so there is interest on it, but it cannot be spent again. The blocking ensures the rejection of those transactions for which there is no credit, even if the purchase would be possible according to the account balance.

Valid payments and to dos

When is a transaction invalid?

Usually this happens when the issuing bank does not accept the payment. It is also possible that due to telecommunication or IT error the request does not reach the issuing bank.

Problems with the card

• The card is not applicable for online payment.
• Online payment by the card is prohibited by the issuing bank.
• Use of the card is prohibited.
• Invalid card data (card number, expiry date, code on the signature band).
• The card expired.

Problems with the account

• No credit for the transaction.
• The sum of the purchase exceeds the purchase limit of the card.

Problems with the connection

• The connection was broken during the transaction. Please, try again,
• Invalid transaction due to timeout. Please, try again.

Technical errors

• If you are not redirected from the payment site to the original site, the transaction is invalid.
• If you returned to the original site, but the browser redirects you to the payment site (by clicking the ’back’, ’reload’, or ’refresh’ buttons), the transaction is rejected automatically for security reasons.

What to do in case of an invalid transaction?

A transaction tag is generated about each transaction. We recommend that you record this tag. If the payment attempt is rejected by the bank, please contact your bank account management.

Why do I have to contact my bank account management in case of an invalid payment?

During the card checking process the account manager (card issuer) bank contacts the retailer’s (recipient’s) bank whether the transaction is possible or not. The recipient bank cannot give out confidential information, only the bank identifying the card holder is eligible to do so.

I got an SMS from my bank about the blocking of the sum, yet the retailer informed me that the payment was invalid. What does it mean?

This can happen if the card has been checked on the payment site, but you did not return to the original website of the retailer. This transaction is unfinished and thus automatically invalid. In such cases the sum is not blocked on your card.

Safety

What does the VeriSign 128-bite encrypted SSL communication channel mean?

SSL is the abbreviation of Secure Sockets Layer, a widely accepted encryption method. Our Bank is in possession of a 128-bite encryption paykey, which protects the communication channel. The VeriSign Company enables CIB Bank to apply the 128-bite paykey, by which the SSL based encryption is provided. This encryption is applied in 90% of the world’s electronic trade. The browser encrypts the data of the card holder through the SSL prior to the data are sent; therefore CIB Bank receives them in encoded format, which are indecipherable for unwarranted people.

Does my browser warn me after the payment that left the security zone? Is the safety of my payment guaranteed this way?

Absolutely yes. The payment happens through the 128-bite encrypted communication channel, so it is absolutely safe. Following the transaction you are redirected to the retailer’s website. In case your retailer’s website is not encrypted, your browser warns you that you left the safe channel. This does not endanger the safety of your payment.

What does the CVC2/CVV2 code mean?

In case of a MasterCard it means the Card Verification Code, in case of a VISA card it means the Card Verification Value, which verify the validity of the cards. The CVC2 code, the last three digits of the sequence at the back of the card, has to be indicated in online purchases.

What does ’Verified by Visa’ mean?

VISA card holders registered in the Verified by Visa system choose a password at the issuing bank, with which the can identify themselves in case of an online purchase. The system protects against unwarranted use of the Visa card. CIB Bank accepts cards issued within the frame of Verified by Visa.

What does the UACF code mean?

This is the code provided by your issuing bank, in case of MasterCard cards. If you have not been given such a code, please leave the field blank.