FREQUENTLY ASKED QUESTIONS

You can pay with all embossed VISA and MasterCard cards, and certain VISA Electron and V Pay cards. Whether or not you can use VISA Electron cards for internet-based payments depends on the bank that issued the card. VISA Electron bank cards issued by CIB can be used for internet-based purchases.

THE PAYMENT PROCESS

After choosing ‘bank card’ as the method of payment on the website of the merchant/service provider, the shopper initiates payment, and is then diverted to the Bank’s payment page, which is equipped with a secure communication channel. For payment, you need to give your card number, card expiry date, and the 3-digit security code on the signature strip on the reverse side of the card. The transaction is launched by you, and then the card undergoes a real-time authorisation process, in which the authenticity of the card details, the available funds and the spending limit are all checked. If all the data necessary for continuing the transaction is in order, your account-keeping (card-issuing) bank blocks the payable amount on your card. The debiting (deduction) of the amount from your account takes place within a few days, although precisely how long it takes will depend on the account-keeping bank.

UNSUCCESSFUL PAYMENTS AND WHAT TO DO

SECURITY

Absolutely. The payment process takes place via a 256-bit encrypted communication channel, so it’s totally secure. After the transaction, you’re returned to the merchant’s website, and if the merchant’s website isn’t encrypted, your browser will warn you that you’re leaving the encrypted channel. This doesn’t represent a threat in terms of the security of the payment.

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