How is payment made for purchases carried out over the Internet?
Firstly, the purchaser places the order in the vendor´s website (virtual shop). Then, by means of a website provided by the vendor’s bank, the purchaser provides a credit or debit card number and its corresponding expiry date. This is known as a Virtual POS. Such websites include an SSL security protocol that guarantees the integrity and the confidentiality of the information provided. Similarly, they contain the vendor’s name, as well as the order reference number and amount. Thus, you can check that the order you have placed in the vendor´s website corresponds with the payment you are about to make through the bank´s website.
Furthermore, as of 2002 you are able to enjoy increased security by paying for your orders through secure Internet virtual shops. In such shops, in addition to your card number and its expiry date, when you pay with a Visa or Mastercard you will be asked for a special password that is only used for Internet purchases. Such cards are known as “secure code cards”.
They have to been designed to combat Internet fraud and to provide Internet users with greater guarantees in terms in security: before terminating the purchase, the online shop "talks" with the card´s issuing bank in order to identify the user by means of an additional code.
Fitness-Kit is at the very forefront in security, which is why we work with ServiRed, 4B, Paypal and epagado (Bankinter) in order to offer you a 100% guarantee for your electronic banking transactions.
How is a card “secured”?
We can secure a Visa or Mastercard debit or credit card by associating it to a password used exclusively for Internet purchases. Furthermore, certain banks provide the possibility of choosing a personalised message that always appears in the form via which the above-mentioned password is requested.
Both ServiRed and 4B provide a secure card service. You may pay with either without any additional costs and with guaranteed security.
What are the advantages of making purchases in Internet with a “secured” card?
By entering an exclusive Internet shopping password when paying over the Internet, the purchaser’s identity is guaranteed. Similarly, the appearance of the personalised message (which known only to yourself and to your bank) upon the screen when you are asked to provide your password confirms the legitimacy of the transactions and avoids impersonation.
How can a card be "secured"?
Your bank is responsible for providing you with a secret code, which is not necessarily the same as the card’s PIN or the code you use for telephone banking. Thus, you must contact the bank that issued the card.
Almost all banks allow their Internet banking clients to directly activate such codes online.
Where can I make secure payments?
As of April 2002, all European finance entities have the obligation to accept “secured” payments with Visa and 4B MasterCard cards via their websites. This obligation was extended to all other finance entities as of April 2003.
You can check whether the website in which you are purchasing accepts secured card payments by looking for the Visa and MasterCard logos
Which cards can be “secured”?
Any Visa or MasterCard credit or debit card issued by your Bank, independently of whether they operate with the ServiRed or the 4B Systems.
What happens with cards that are not “secured”?
For your own security, any cards that are not associated with this new system will shortly be invalid for Internet purchases.