Our website is offering its consumers secure bank card payment provided by CIB Bank. The security relies on the separation of data. With the use of the system the website  receives only the quantity of the ordered commodity and the delivery address from the consumer, while CIB Bank the card data on a 128-bit SSL secured payment page. The website will not be informed about the payment-side data content, they are accessible for CIB Bank only. The bank will inform the website if the transaction was successful or not. Your internet-browser must support SSL encryption to use bank card payment solution.

The counter-value of the purchased goods, the paid amount will be promptly blocked on your card account. Please read this information carefully.

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You are welcome in this website operated with CIB Bank’s secure, Internet payment solution.

You will find below a short description about how you can shop in a safe and reassuring way.

When shopping, you should pay attention to the following matters:

·      Read through the website's information leaflet, the conditions of the purchase and delivery terms.

·      Study the website's security conditions since these will guarantee the security of your data.

·      Note your data relating to your purchase.

·      Keep a record of the transaction data connected to your payment. (transaction ID, Authorisation code)

·      Make sure that unauthorised person does not have access to the secret data of your card

·      Use a browser that recognises the option needed to SSL encryption

About security

SSL is an abbreviation for an accepted encryption method called Secure Sockets Layer. This Bank has a 128-bit encryption key to protect the communication channel. A firm named VeriSign makes possible for CIB Bank the use of the 128-bit key, with which we ensure the SSL-based encryption. For the time being this encryption method is used in 90% of global e-commerce. Before transmission, the browser used by the buyer encrypts the card holder’s data with the help of SSL which means they are passed to CIB Bank in a coded form, this way they are indecipherable for unauthorised persons.

Acceptable cards

CIB Bank’s Internet payment system allows the use of cards like MasterCard and VISA and VISA Electron (the use of the last one is subject to the permission of the issuing bank), and cards for only internet use.

Payment steps

1.      On the page of the website you select the services, for which you intend to pay with your bank card.

2.      Following that you’re redirected to the webpage of CIB Bank guaranteeing secure payment, where you have to enter your card data to begin the payment.

3.      Following this, you’re redirected to CIB Bank’s page guaranteeing secure payment, where you have to enter your card data to start the payment process.

4.      Following the payment, you’re directed back to the Store page, where you receive a confirmation about the result of the payment.

In the case of bankcard payments, following the successful transaction – this means the approval after the expiry date of the bank card and the coverage are controlled – CIB Bank debits the account of the Card Holder with the countervalue of the goods/services.

If you’re not directed back from the payment page to the Store’s website, the transaction qualifies as unsuccessful. If you click on the „Back” of „Refresh” buttons of the browser on the bank’s payment page, or close the browser window before you could be redirected to the store, the payment will qualify as unsuccessful.

If you wish to receive more information about the outcome of the transaction, or learn about the causes and details of unsuccessful transactions, please contact your account keeping bank.

Questions and answers about card payments made on the internet

CARD ACCEPTANCE

What card types can be used for payment?

The embossed cards of VISA Eurocard/Mastercard and certain VISA Electron cards can be used for payment. Use on the internet of VISA Electron cards depends on the issuing bank. VISA Electron type cards issued by CIB can be used for buying on the internet.

Which bank cards are suitable for internet payment?

Any embossed VISA and Eurocard/MasterCard (EC/MC) card provided issuing bank permitted the use of the card for internet payment; as well as webcards specifically dedicated for being used on the internet are suitable.

Is it possible to pay with shopping cards?

It is not possible to pay on the internet with point-collecting loyalty cards issued by merchants/ service providers.

Is it possible to pay with co-branded cards?

It is possible to pay on the internet with any co-branded card provided its type is MasterCard or VISA and is suitable for internet payment.

THE PAYMENT PROCESS

How does the background process of online payment work in the bank?

After the buyer selected the method of bank card payment on the merchant’s or service provider’s website, as a result of having initiated the payment, the buyer gets to the Bank’s payment page which is equipped with a secure communication channel. The card number, the date of its expiry and the 3-digit validation code – this is located on the signature strip on the reverse side of the card – have to be entered to the payment. It will be you who starts the transaction, from that time on the card undergoes a real-time authorization process in which the genuineness of card data, the coverage and the purchase limit are verified. If all the data are satisfactory, the transaction can be continued and your account keeper (card issuer) bank blocks the payable amount on your card. The amount will be debited on your account (deducted) in a few days, depending on the account keeping bank.

What is the difference between buying on internet and a traditional purchase made using the card?

Difference is made between transactions made in the presence of the card (Card Present) and those made when the card is absent (Card not Present). The Card Present transaction takes place with the help of a POS terminal. After is card is swiped through and the PIN code is entered, the terminal contacts the cardholder’s bank via the authorization centre and, depending on the card type and the issuer, through the VISA or MasterCard network. This is where the validity and the coverage are verified (authorization). Retracing this path, the POS terminal (or the merchant) gets the authorization or rejection. The buyer signs the sales slip. Card not Present is a transaction when the bank card is not physically present at the purchase. Transactions made in letter, by phone or electronically (internet) belong here, where the buyer (cardholder) starts the transaction by entering card data requested on a payment page secured with 128-bit encryption. You will get a so-called authorization number about the successful transaction – this number agrees with the number on the paper-based sales slip.

What does reservation mean?

Reservation (blocking) follows as soon as the bank gets information about the transaction because the official data must be received to the actual debit entry which takes a few days and during this time it would be possible to spend again the money used on buying. This is why the money spent on buying or on cash withdrawal is separated, reserved. While the reserved amount is part of the account balance - but no interest is paid on it – it cannot be spent again. The reservation ensures the rejection of transactions for which the coverage is already lacking, even if the account balance would still theoretically permit it. If the debit entry fails to arrive within a few days, the bank may unlock the reserved amount so it can be spent.

UNSUCCESSFUL PAYMENTS AND WHAT TO DO THEN

Why a transaction may end in failure?

The usual cause is that the bank that issued the card (where the customer got the card) does not accept the payment order but, in case a bank card is used, it may be also caused by the circumstance that the request for authorization does not get to the bank that issued the card because of a telecommunication or computer error.

Error involving the card

·         The card is not suitable for internet payment.

·         The account keeping bank bans the use of the card on the internet.

·         Card use is banned.

·         Card data inputs were wrong (card number, expiry, code on the signature strip).

·         The card expired.

Error involving the account

·         There is no coverage to the execution of the transaction.

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

Error involving the connection

·         The line was probably interrupted during transaction. Please, try again.

·         The transaction failed because the time was exceeded. Please, try again.

Technical error

·         The transaction is unsuccessful if you fail to return from the payment page to the merchant’s or service provider’s page.

·         If you come back from the payment page but the browser goes back to the payment page with the help of "back", "reload" or "refresh", the system will automatically reject your transaction for safety reasons.

What to do if the payment process is unsuccessful?

A transaction identifier is always generated about the transaction; we recommend to note it. Please contact your account keeping bank if the transaction is refused on the bank’s side in the course of the attempted payment.

Why do I have to contact my account keeping bank if the transaction is unsuccessful?

In the course of card verification the account keeper (card issuer) bank sends a note to the merchant’s (acquirer) bank asking if the transaction can be executed. The acquirer bank is not allowed to disclose confidential information to the customer of an another bank, only the bank that identifies the cardholder has the right to do so.

What does it mean if I get an SMS from my bank about the reservation/blocking of the amount but the merchant/service provider indicates that the payment was unsuccessful?

This can happen if the card was verified on the payment page but you did not return to the merchant’s/service provider’s internet website. In this case the transaction is deemed to be unfinished, thus unsuccessful. In such cases your card is not debited with the amount and the reservation is unlocked.

SECURITY

What is the meaning of VeriSign and SSL communication channel with 28- bit encryption?

SSL is the abbreviation of an accepted encryption process, Secure Sockets Layer. Our Bank has a 128-bit encryption key to protect the communication channel. A company called VeriSign permits CIB Bank Nyrt the use of the 128-bit key with which we ensure the SSL-based encryption. At the moment this encryption method is used in 90% of global e-commerce. Before transmission, the browser program used by the buyer encrypts the cardholder’s data with the help of SSL which means such data get to CIB Bank in coded form and are, as a consequence, incomprehensible for unauthorized third parties.

After the payment my browser warns me that I am about to leave the security zone. Is nevertheless the security of my payment guaranteed?

Yes, completely. The payment process takes place on a 128-bit encrypted communication channel so it is completely safe. After the transaction you get back to the merchant’s website. If the merchant’s website is not encrypted, your browser warns you that you have left the encrypted channel. This does not mean that the safety of the payment is jeopardized.

What is the meaning of the CVC2/CVV2 code?

In case of MasterCard the so-called Card Verification Code - in case of Visa the so-called Card Verification Value - is a numerical value stored on the magnetic strip of the card from which it can be established if the card exists. When you buy on the internet you have to specify the so-called CVC2 code, ie the last three numbers of the row of numbers located on the reverse side of Eurocard/MasterCard cards.

What does it mean Verified by Visa?

Holders of VISA cards who are registered in the Verified by Visa system select themselves a password at the bank that issued the card. They can identify themselves with the password in case of a purchase on the internet and the password also provides protection against the unauthorized use of Visa cards. CIB Bank accepts cards issued within the Verified by Visa system.

What is the meaning of the UCAF code?

A unique code you may have got from your card issuer bank in case of MasterCard cards. If you do not have this code, just leave the field blank.