Our online store provides a secure credit card payment solution powered by CIB Bank. Security is ensured by the separation of data. The Webshop receives information related to the order from the buyer, while CIB Bank exclusively handles the payment transaction data on a payment page secured with 256-bit TLS encryption. The Webshop does not have access to the content of the payment page, only CIB Bank can access it. After the payment, the Webshop page informs you about the transaction result. To make a card payment, your web browser must support TLS encryption.

The amount paid for the purchased goods/services is immediately blocked on your card account. Please read our detailed guide!

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Welcome to Our Webshop, Powered by CIB Bank’s Secure Online Payment System!

Below, we provide a brief overview of how you can make a secure purchase.

What Should You Pay Attention to When Shopping?

  • Read our Webshop guide, terms of purchase, and delivery/payment conditions!
  • Review the Webshop’s security policies to ensure the safety of your data!
  • Keep records of your purchase details!
  • Keep records of your payment transaction details! (transaction ID, authorization number)
  • Ensure that your confidential card details are never accessible to unauthorized persons.
  • Use a browser that supports TLS encryption!

Security

TLS, or Transport Layer Security, is an accepted encryption protocol. Our bank operates with a 256-bit encryption key to secure communication channels. The company VeriSign allows CIB Bank to use this 256-bit key, which ensures TLS-based encryption. Currently, 90% of global electronic commerce transactions use this encryption method. The buyer’s browser encrypts the cardholder’s details using TLS before sending them, ensuring that unauthorized individuals cannot interpret them.

Accepted Cards

CIB Bank’s online payment system accepts Mastercard/Maestro, VISA, and VISA Electron (if the issuing bank allows its use online) bank cards, as well as web cards designed for online transactions.

Steps of Payment

  1. You select the product/service on the Webshop site and choose to pay by credit card.
  2. You will be redirected to CIB Bank’s secure payment page, where you need to enter your card details.
  3. After entering your card details, click the “Pay” button to initiate the transaction.
  4. After the payment, you will return to the Webshop site, where you will receive confirmation of the transaction result.

For successful credit card transactions, after the validity check and balance verification, CIB Bank initiates the charge on the Cardholder’s account for the purchase.

If you are not redirected back to the Webshop site after the payment, the transaction is considered unsuccessful. If you click the “Back” or “Refresh” button on the banking payment page or close the browser before being redirected, the payment is also considered unsuccessful.

If you need more information about the transaction status or failure details, please contact your issuing bank.

Frequently Asked Questions About Online Credit Card Payments

CARD ACCEPTANCE

Which types of cards can be used for payment?

Embossed VISA and Mastercard cards, as well as certain VISA Electron and V Pay cards. The usability of VISA Electron cards online depends on the issuing bank. CIB Bank-issued VISA Electron cards can be used for online purchases.

Which banks’ cards are eligible for online payments?

All VISA and Mastercard/Maestro cards authorized for online payments by the issuing bank, as well as web cards specifically designed for online use.

Can loyalty cards be used for payment?

Loyalty cards containing reward points issued by merchants/service providers cannot be used for online payments.

Can co-branded cards be used for payment?

Any co-branded card that functions as an online payment-enabled MasterCard or VISA can be used.

PAYMENT PROCESS

How does the online payment process work?

After selecting the credit card payment option on the merchant/service provider’s website, the buyer initiates the payment and is redirected to the bank’s secure payment page. The buyer must enter their card number, expiration date, and the 3-digit security code from the back of the card. The buyer then starts the transaction, and the card undergoes real-time authorization, checking for validity, balance, and spending limits. If all details are correct, the issuing bank temporarily reserves the payment amount. The actual charge on the account takes place within a few days, depending on the issuing bank.

FAILED PAYMENTS AND POSSIBLE ISSUES

Why might a transaction fail?

A payment request may be rejected by the card-issuing bank for various reasons. Additionally, telecommunications or IT issues might prevent the authorization request from reaching the issuing bank.

Card-related issues:
– The card is not eligible for online payments.
– The issuing bank has disabled online transactions for the card.
– The card usage is restricted.
– Incorrect card details (card number, expiration date, CVV/CVC code) were entered.
– The card has expired.

Account-related issues:
– Insufficient funds for the transaction.
– The transaction amount exceeds the card’s spending limit.

Connection issues:
– The transaction was likely interrupted. Please try again.
– The transaction failed due to a timeout. Please try again.

Technical issues:
– If you did not return to the merchant/service provider’s site from the payment page, the transaction is unsuccessful.
– If you clicked “Back,” “Reload,” or “Refresh” on the payment page, the system automatically cancels the transaction for security reasons.

SECURITY

What is the VeriSign 256-bit TLS encryption?

TLS (Transport Layer Security) is a widely used encryption protocol. CIB Bank uses a 256-bit encryption key to secure communication channels. VeriSign enables CIB Bank to use this encryption, which is applied in 90% of online transactions worldwide. Before transmitting, the buyer’s browser encrypts the cardholder’s data with TLS, making it unreadable to unauthorized parties.

What is the CVC2/CVV2 code?

For Mastercard, it is the Card Verification Code; for Visa, it is the Card Verification Value. It is a numeric code on the magnetic stripe of the card used to verify authenticity. The CVC2 code is the last three digits of the number found on the back of the card.

What is Verified by Visa?

Verified by Visa allows Visa cardholders to register a password with their issuing bank, which they use for authentication during online purchases. This system provides extra security against unauthorized card use.

What is Mastercard SecureCode?

Mastercard SecureCode allows Mastercard/Maestro cardholders to register a password with their issuing bank, providing an extra layer of security for online transactions.