Card purchasing information

Information about Secure Online Bank Card Payment – for Customers

Please read the brief description of our secure online bank card payment option:

In web stores that use the secure bank card payment system provided by CIB Bank, transactions are implemented through a so-called three-party procedure (web store-customer-bank). Its security is based on the separation of data to be supplied by the customer. The process is characterized by the fact that each transaction is initiated by the customer on the web store page where information related to the order are provided by the customer while card data required for payment is provided exclusively on the bank’s secure payment page with 128-bit SSL encryption, certified by VeriSign. Merchants do not have access to the data entered on the bank’s payment page, a protected webpage operated independently of the web store. After the payment transaction is completed, the customer returns to the Hacktivity web store where Hacktivity displays the purchase. When payment is made via the three-party procedure, customers are re-directed to the bank’s payment page every single time thus the web store cannot automatically debit the customers’ card.

Steps of Payment

  1. Select the product/service in the Hacktivity web store that you wish to pay by bank card.
  2. You are then re-directed to the secure payment page of CIB Bank where you need to fill in your card details to initiate payment.
  3. After filling in your card details click on the Payment button to start the transaction.
  4. After completing the payment, return to the Hacktivity website where you get a confirmation of your transaction.

Once your transaction is successful (i.e. it is verified that your bank card is valid and you have sufficient funds), CIB Bank debits Your card with the price of the product or service.

Communication Security

SSL is the abbreviation of the accepted Secure Sockets Layer encryption procedure. Our bank has a 128-bit cryptographic key that protects the communication channel. The 128-bit key is provided by VeriSign, ensuring the use of SSL-based encryption. At present, this encryption method is used in 90% of e-commerce transactions the world over. The browser used by the customer encrypts the card holder’s data before forwarding it, and thus the data arrives at CIB Bank in an encoded format, preventing unauthorized persons from being able to interpret it.

You should take care of the following when you make a purchase or a payment

  • Please check the Terms and Conditions as well as the shopping and guarantee policies of the Hacktivity web store!
  • Save your purchase and transaction data (transaction ID, verification ID, amount, date of purchase)!
  • Do not use your bank card on a website which does not the display the lock symbol of communication security. Check the website certificate by clicking on the lock and check which company the certificate was issued for. The certificate for payment on the CIB Bank payment page was issued for CIB Bank Zrt.

  • Card Acceptance

What type of cards can you use?

VISA and Mastercard embossed cards, Maestro and certain VISA Electron cards. The use of VISA Electron cards for online payment is subject to approval by the card-issuing bank. VISA Electron cards issued by CIB can be used to make online purchases.

Which banks have cards that you can use for online payment?

You can use any VISA or Mastercard/Maestro cards that have been authorized by the card-issuing bank for online payment as well as web cards specifically designed for the purpose of online use.

Can you pay by loyalty cards?

Loyalty cards issued by merchants/service providers to collect loyalty points cannot be used for online purchases.

Can you pay by co-branded cards?

You can pay by any co-branded card that is a MasterCard or VISA-based card suitable for online payment.


  • THE PROCESS OF PAYMENT

How does the background process work at the bank?

After selecting bank card as the method of payment on the Hacktivity website, you initiate payment and consequently your are redirected to the bank’s payment page equipped with a secure communication channel. In order to make the payment, you need to enter the card number, the expiry date of the card and the 3-digit validation code located on the signature strip on the reverse side of the card. It is you who starts the transaction. The card then undergoes a real-time authorization process in which the authenticity of the card data, the available funds and the purchase limit are checked. If all the data are satisfactory the transaction continues and the bank maintaining your account (the card-issuing bank) blocks the payable amount on your card. The amount will be charged to (debited from) your account within a few days, depending on bank maintaining your account.

 

How does an online card purchase differ from traditional card purchases?

We differentiate between two types of transactions: Card Present and Card Not Present transactions. Card Present transactions take place using a POS terminal. After the card is swiped and the PIN code is keyed in, the terminal contacts the cardholder’s bank via the authorization centre and, depending on the type and the issuer of the card, through the VISA or MasterCard network. This is where the validity of the card is verified and the coverage check is performed (i.e. where authorization takes place). The response is sent back along this same path, and thus the POS terminal (or the merchant) receives the authorization or the rejection. The customer then signs the sales slip. Card Not Present transactions are where the bankcard is not physically present at the time of processing. These include transactions initiated by way of a posted letter, by phone or electronically (over the internet), where the customer (cardholder) initiates the transaction by entering the requested card data on a (128-bit encrypted) payment page. Here, you receive an authorization number related to the successful transaction, which is the same as the number you find on a paper-based sales slip.

What does reservation mean?

As soon as the bank is informed of the transaction, reservation (blocking) follows, since for the actual debiting to take place the official data must first arrive, which takes a few days and during this time the money earmarked for the purchase could otherwise be spent on something else. For this reason, the money that has been used for the purchase or withdrawn in cash is separated and reserved. The reserved amount remains part of the balance of the account, that is, it continues to earn interest, but it cannot be spent again. Reservation ensures that any transactions for which there are no longer sufficient funds are rejected, even though the account balance would otherwise allow the transaction to go through.

 


  • UNSUCCESSFUL PAYMENTS AND WHAT TO DO ABOUT THEM

When is a transaction unsuccessful?

Generally, these are payment orders that are not accepted by the card-issuing bank (i.e. the bank from where the customer obtained the card). The reason for a rejection, however, could also be that due to a telecommunication or computer error, the request for authorization has not reached the card-issuing bank.

Problems related to the card

  • The card is not suitable for making online payments.
  • The use of the card online has been prohibited by the bank maintaining the cardholder’s account.
  • The card has been blocked.
  • The card data (card number, expiry date, code on the signature strip) have been incorrectly entered.
  • The card has expired.

Problems related to the account

  • There are insufficient funds in the account for the transaction to be executed.
  • The amount of the transaction exceeds the purchase limit set for the card.

Problems in connection

  • There may have been an interruption in the connection during the course of the transaction.Try again!
  • The transaction was unsuccessful because you were timed out. Try again!

Technical problems

  • If you are not returned from the payment page to the Hacktivity website, the transaction has not gone through successfully.
  • If you have been returned from the payment page, but you then go back to the payment page using the browser’s ‘back’, ‘reload’ or ‘refresh’ function, the system will automatically reject your transaction for security reasons.

What to do if the payment procedure is unsuccessful?

For all transactions, a transaction identifier is generated, which we recommend you note down. If during the payment attempt the transaction is rejected from the bank’s side, please contact the bank managing your account.

Why do you have to contact the bank maintaining your account if the payment is unsuccessful?

During the card-verification procedure the bank managing your account (card-issuing bank) notifies the merchant’s bank collecting the amount (i.e. the ‘acquirer’ bank), asking if the transaction can be executed. The acquirer bank is not allowed to disclose any confidential information to the customer of another bank, only the bank that identifies the cardholder has the right to do so.

What does it mean if I get a text message 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 Hacktivity website. If this is the case, the transaction is regarded as incomplete and is thus unsuccessful. In such cases your card is not debited with the amount and the reservation is released.


  • SECURITY

What do VeriSign and SSL communication channel with 128-bit encryption mean?

SSL (which stands for Secure Lockets Layer) is a widely accepted encryption procedure. Our bank has a 128-bit encryption key, which protects the communication channel. The company VeriSign enables CIB Bank to use the 128-bit key, which in turn allows us to provide SSL-based encryption. Currently this encryption method is used in 90% of all e-commerce trade worldwide. With the SSL functionality, the browser software used by the customer encrypts the cardholder’s data prior to transmission, and thus the data is sent to CIB Bank in a coded form, which ensures that it cannot be deciphered by unauthorized persons.

After the payment my browser warned me that I was about to leave the securityzone. Is the security of my payment still guaranteed?

Yes, absolutely. The payment process takes place on a 128-bit encrypted communication channel, so it is completely secure. After the transaction, you get back to the Hacktivity website.

What is the meaning of the CVC2/CVV2 code?

In the case of MasterCard, the Card Verification Code, and in the case of Visa, the Card Verification Value, is a coded numerical value stored on the magnetic strip of the card, with which it can be established whether a card does in fact exist and is valid. When shopping online you need to give the CVC2 code, which is the last three digits of the row of numbers that you’ll find on the reverse side of your MasterCard.

What does Verified by Visa mean?

Holders of Visa cards who are registered in the Verified by Visa system choose a password at the card-issuing bank, with which they can identify themselves when shopping online and which helps ensure that their Visa cards are not used by unauthorized persons. CIB Bank accepts cards that have been issued within the Verified by Visa system.

What does Mastercard SecureCode mean?

Holders of MasterCard/Maestro cards who are registered in the Mastercard SecureCode system choose a password at the card-issuing bank, with which they can identify themselves when shopping online and which helps ensure that their MasterCard/Maestro cards are not used by unauthorized persons. CIB Bank accepts cards that have been issued within the Mastercard SecureCode system.

What is the UCAF code?

This is a unique code you may have been given by your card-issuing bank in the case of a MasterCard/Maestro Card. If you did not receive such a code, leave the field blank. 

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