Card acceptance

With VISA and Mastercard embossed cards, or with some VISA Electron, V Pay cards. The possibility of using VISA Electron cards on the Internet depends on the bank issuing the card. The VISA Electron type bank card issued by OTP can be used for online purchases.
With all VISA and Mastercard/Maestro cards that have been approved for internet payment by the card issuing bank, as well as web cards specifically designed for internet use.
It is not possible to pay online with points collection cards containing loyalty points issued by merchants/service providers.
It is possible to pay with any co-branded card, which is a MasterCard or VISA-based card suitable for online payments.

Payment process

After choosing the bank card payment method on the merchant/service provider’s website, the customer initiates the payment, as a result of which he is transferred to the Bank’s payment page equipped with a secure communication channel. To pay, you need to enter your card number, expiration date, and the 3-digit validation code found on the signature strip on the back of the card. You initiate the transaction, from then on the card undergoes real-time authorization, in the framework of which the originality, coverage, and purchase limit of the card data are checked. If all the data are suitable for the transaction to continue, the amount to be paid will be blocked on your card by the bank of the account holder (card issuer). The amount will be debited (deducted) from the account within a few days, depending on the bank holding the account.
We distinguish between card present and card not present transactions. The Card Present transaction is carried out using a POS terminal device. After swiping the card and entering the PIN code, the terminal contacts the cardholder’s bank via the authorization center and, depending on the type of card and the card issuer, via the VISA or MasterCard network. Validity and coverage checks (authorization) take place here. Going back through the former route, the POS terminal (or the merchant) receives the approval or rejection. The customer signs the receipt. Card not Present is a transaction during which the bank card is not physically present. This includes transactions conducted by letter, telephone or electronically (internet), in which case the customer (cardholder) initiates the transaction by entering the requested card data on a secure (256-bit encrypted) payment page. You will receive a so-called license number, which is the same as the number on the paper-based receipt.
The transaction is immediately followed by a reservation (blocking) as soon as the bank becomes aware of it, since the official data must first be received for the actual debit, which takes a few days, during which time the purchased amount can be spent again. Therefore, with the reservation, the purchased or borrowed money is separated and placed under reservation. The reserved amount belongs to the account balance, i.e. it earns interest, but cannot be spent again. Booking ensures the rejection of transactions for which there is no longer coverage, even though the account balance would in principle still provide an opportunity for this.

Unsuccessful payment and actions

Generally, a payment order not accepted by the bank that issued the card (that is, where the customer received the card); but in the case of using a bank card, this may also be due to the fact that the authorization request does not reach the card-issuing bank due to a telecommunications or IT error.

Card error

  • The card is not suitable for online payments.
  • Internet use of the card is prohibited by the bank managing the account.
  • The use of cards is prohibited.
  • The card data (card number, expiration date, code on the signature strip) were entered incorrectly.
  • The card has expired.

Account type error

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

Connection type error

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

Technical error

  • If you have not returned from the payment page to the merchant/service provider’s page, the transaction is unsuccessful.
  • If you have returned from the payment page, but return to the payment page using the browser’s “back”, “reload” or “refresh”, your transaction will be automatically rejected by the system for security reasons.
In each case, a transaction identifier is generated for the transaction, which we recommend to record. If the transaction is rejected by the bank during the payment attempt, please contact your account manager bank.
During the card verification, the account managing (card issuing) bank notifies the merchant (accepting) bank collecting the amount whether the transaction can be completed. The accepting bank cannot disclose confidential information to a customer of another bank, only the bank that identifies the cardholder has the right to do so.
This phenomenon can occur if the card has been checked 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 therefore automatically unsuccessful. In such a case, the amount will not be debited from your card, the reservation will be cancelled.


TLS stands for Transport Layer Security accepted encryption method. Our bank has a 256-bit encryption key that protects the communication channel. A company called VeriSign enables CIB Bank to use the 256-bit key, with which we provide TLS-based encryption. Currently, this encryption method is used in 90% of the world’s electronic commerce. The browser program used by the customer uses TLS to encrypt the cardholder’s data before sending it, so that it reaches CIB Bank in coded form and cannot be interpreted by unauthorized persons.
Absolutely yes. The payment process takes place on a 256-bit encrypted communication channel, so it is completely secure. After the transaction, you will return to the merchant’s website, if the merchant’s site is not encrypted, your browser will warn you that you have left the encrypted channel. This does not pose a threat to payment security.
In the case of MasterCard, the so-called Card Verification Code, in the case of Visa, the so-called Card Verification Value is a numerical value coded on the magnetic stripe of the bank card, which can be used to determine the authenticity of a card. The so-called The CVC2 code, which appears in the last three digits of the number line on the back of Mastercard/Maestro cards, must be entered during online purchases.
Visa cardholders registered in the Verified by Visa system choose a password at the card-issuing bank, which they can use to identify themselves when shopping online and which provides protection against unauthorized use of Visa cards. CIB Bank accepts cards issued within the framework of the Verified by Visa system.
Mastercard/Maestro cardholders registered in the Mastercard SecureCode system choose a password at the card-issuing bank, which they can use to identify themselves when shopping online and which provides protection against unauthorized use of Mastercard/Maestro cards. CIB Bank accepts cards issued within the framework of the Mastercard SecureCode system.
In the case of MasterCard/Maestro cards, the unique code that may have been received from your card-issuing bank. If you have not received one, leave the field blank.