{"id":640,"date":"2024-12-17T10:59:18","date_gmt":"2024-12-17T09:59:18","guid":{"rendered":"https:\/\/ninjasushi.hu\/?page_id=640"},"modified":"2024-12-17T15:20:43","modified_gmt":"2024-12-17T14:20:43","slug":"fizetesi-tajekoztato","status":"publish","type":"page","link":"https:\/\/ninjasushi.hu\/en\/fizetesi-tajekoztato\/","title":{"rendered":"Payment Information FAQ"},"content":{"rendered":"
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<\/b>Payment information<\/span><\/b><\/h3><\/div>\n\n

Questions and answers about online card payments<\/b><\/u><\/span><\/span><\/span><\/p>\n

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CARD ACCEPTANCE<\/b><\/span><\/span><\/p>\n

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What types of cards can I pay with?<\/b><\/span><\/span><\/p>\n

With embossed cards from VISA and Mastercard, as well as with some VISA Electron and 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 CIB can be used for purchases on the Internet.<\/span><\/span><\/span><\/p>\n

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Which bank cards are suitable for online payments?<\/b><\/span><\/span><\/p>\n

With all VISA and Mastercard\/Maestro cards that have been authorized for online payments by the card issuing bank, as well as web cards specifically designed for online use.<\/span><\/span><\/p>\n

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Can I pay with shopping cards?<\/b><\/span><\/span><\/p>\n

Points cards containing loyalty points issued by merchants\/service providers cannot be used to pay online.<\/span><\/span><\/p>\n

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Can I pay with co-branded cards?<\/b><\/span><\/span><\/p>\n

It is possible to pay with any co-branded card that is a Mastercard or VISA-based card suitable for online payments.<\/span><\/span><\/p>\n

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PAYMENT PROCESS<\/b><\/span><\/span><\/p>\n

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How does the banking background process for online payments work?<\/b><\/span><\/span><\/p>\n

After selecting the bank card payment method on the merchant\/service provider's website, the customer initiates the payment, as a result of which he\/she is transferred to the Bank's payment page equipped with a secure communication channel. To make the payment, it is necessary to enter the 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, and from then on the card undergoes real-time authorization, during which the authenticity, coverage, and purchase limit of the card data are checked. If all data is sufficient to continue the transaction, the amount to be paid is blocked on the card by the account manager (card issuing) bank. The amount is debited (deducted) from the account, depending on the account manager bank, within a few days.<\/span><\/span><\/p>\n

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How is online card shopping different from traditional shopping?<\/b><\/span><\/span><\/p>\n

We distinguish between transactions with the presence of the card (Card Present) and transactions without the presence of the card (Card not Present). A 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 card type and issuer, via the VISA or Mastercard network. Here, the validity and coverage check (authorization) takes place. Going back along the former path, the POS terminal (or the merchant) receives the approval or rejection. The customer signs the receipt. A Card not Present is a transaction in which the bank card is not physically present. This includes transactions carried out by mail, telephone or electronically (internet), in which the customer (cardholder) initiates the transaction by entering the requested card details 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 receipt.<\/span><\/span><\/p>\n

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What does reservation mean?<\/b><\/span><\/span><\/p>\n

When the bank becomes aware of the transaction, it is immediately followed by a reservation (blocking), since the official data must first be received for the actual debit, which takes a few days and during that time the purchased amount could 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 accrues interest, but cannot be spent again. The reservation ensures the rejection of transactions for which there is no longer any cover, although the account balance would still provide this possibility in principle. <\/span><\/span><\/p>\n

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UNSUCCESSFUL PAYMENTS AND ACTIONS TO BE TAKEN<\/b><\/span><\/span><\/p>\n

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In what cases can a transaction fail?<\/b><\/span><\/span><\/span><\/p>\n

Usually, a payment order is not accepted by the card-issuing bank (i.e. where the customer received the card); but in the case of using a bank card, this can also be due to the fact that the authorization request does not reach the card-issuing bank due to a telecommunications or IT error.<\/span><\/span><\/p>\n

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Card-related error<\/b><\/span><\/span><\/span><\/p>\n

\uf0b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 The card is not suitable for online payments. <\/span><\/span><\/span><\/p>\n

\uf0b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 The card's online use is prohibited by the account-holding bank. <\/span><\/span><\/p>\n

\uf0b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Card use is prohibited. <\/span><\/span><\/p>\n

\uf0b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 The card details (card number, expiration date, code on the signature strip) were entered incorrectly. <\/span><\/span><\/p>\n

\uf0b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 The card has expired. <\/span><\/span><\/p>\n

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Invoice error<\/b><\/span><\/span><\/p>\n

\uf0b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 There is no collateral to complete the transaction. <\/span><\/span><\/span><\/p>\n

\uf0b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 The transaction amount exceeds the card purchase limit. <\/span><\/span><\/span><\/p>\n

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Connection error<\/b><\/span><\/span><\/p>\n

\uf0b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 The line may have been disconnected during the transaction. Please try again. <\/span><\/span><\/p>\n

\uf0b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 The transaction failed due to a timeout. Please try again.<\/span><\/span><\/p>\n

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Technical error<\/b><\/span><\/span><\/p>\n

\uf0b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 If you have not returned to the merchant\/service provider's page from the payment page, the transaction is unsuccessful. <\/span><\/span><\/p>\n

\uf0b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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.<\/span><\/span><\/p>\n

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What to do if the payment procedure fails?<\/b><\/span><\/span><\/span><\/p>\n

A transaction ID is generated for each transaction, which we recommend that you note down. If the transaction is declined by your bank during the payment attempt, please contact your bank.<\/span><\/span><\/p>\n

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Why do I need to contact the account holding bank in case of payment failure?<\/b><\/span><\/span><\/p>\n

During card verification, the account manager (card issuing) bank notifies the merchant (acquiring) bank collecting the amount whether the transaction can be completed. The acquiring bank may not disclose confidential information to a customer of another bank; only the bank that identifies the cardholder has the right to do so. <\/span><\/span><\/p>\n

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What does it mean if I received an SMS from my bank about the reservation\/blocking of the amount, but the merchant\/service provider indicates that the payment was unsuccessful?<\/b><\/span><\/span><\/p>\n

This phenomenon can occur if the card has been verified 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 charged to your card, and the reservation will be canceled.<\/span><\/span><\/p>\n

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SECURITY<\/b><\/span><\/span><\/p>\n

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What does VeriSign and the 256-bit encrypted TLS communication channel mean? <\/b><\/span><\/span><\/p>\n

TLS is an abbreviation for Transport Layer Security, an accepted encryption method. Our bank has a 256-bit encryption key that protects the communication channel. A company called VeriSign allows CIB Bank to use the 256-bit key, which is used to ensure TLS-based encryption. This encryption method is currently used in 90% of electronic commerce worldwide. The browser program used by the buyer uses TLS to encrypt the cardholder's data before sending it, so that it reaches CIB Bank in an encoded form, making it unintelligible to unauthorized persons.<\/span><\/span><\/p>\n

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After payment, my browser warned me that I was leaving the security zone. Is the security of my payment guaranteed?<\/b><\/span><\/span><\/p>\n

Absolutely yes. The payment process takes place over a 256-bit encrypted communication channel, so it is completely secure. After the transaction, you will be returned to the merchant's website. If the merchant's website is not encrypted, your browser will warn you that you have left the encrypted channel. This does not pose a threat to the security of the payment.<\/span><\/span><\/p>\n

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What does CVC2\/CVV2 code mean?<\/b><\/span><\/span><\/p>\n

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 encoded on the magnetic stripe of a bank card, which can be used to determine the authenticity of a card. The so-called CVC2 code, which is contained in the last three digits of the number on the back of Mastercard\/Maestro cards, must be entered during online purchases.<\/span><\/span><\/span><\/p>\n

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What does VISA Secure mean?<\/b><\/span><\/span><\/p>\n

VISA Secure is a security check for Visa cardholders based on a one-time code or biometric identification (facial recognition, fingerprint or other human characteristic) set up by the card issuing bank, which allows them to identify themselves when making online purchases and which provides protection against unauthorized use of Visa cards. CIB Bank accepts cards issued within the framework of the VISA Secure system.<\/span><\/span><\/p>\n

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What does Mastercard Identity Check (ID Check) mean?<\/b><\/span><\/span><\/span><\/p>\n

THE <\/span><\/span>Mastercard ID Check<\/span><\/span> the <\/span><\/span>Mastercard\/Maestro<\/span><\/span><\/span> cardholder security check based on a one-time code or biometric identification (facial recognition, fingerprint or other human characteristic) set up by the card issuing bank, which allows them to identify themselves when making online purchases and which provides protection against <\/span><\/span>Mastercard\/Maestro<\/span><\/span><\/span> against unauthorized use of cards. CIB Bank accepts the <\/span><\/span>Mastercard ID Check<\/span><\/span> cards issued within the framework of the system.<\/span><\/span><\/p>\n

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