Payment by bankcard
UniCredit Bank
offers to its Partners the most wide-spread, modern and safe virtual card
acceptance technology. All transaction participants can hold only the
information relevant for them, which mean that data security is ensured
predominantly by the separation of data. The use of the system ensures that the
data related to the customer, the purchase, the product and the service can
only be obtained by the merchant, while bank card data can only be obtained by
UniCredit Bank. After the authorization of the transaction, the merchant is
only informed of the fact whether the purchase was successful or not. It shall
not receive information on the data content of the website executing the
payment.
Security
A virtual POS encrypted
(https://) channel between customer, website and bank.
Technical
background of the payment is performed by the partner of Unicredit Hungary Zrt.
a First Data Magyarország Kft. with its own platform. A payment page of the
bank use the following URL-s:
https://secureshop.firstdata.lv
https://secureshop.firstdata.hu
RSA 2048 bites certificate
(CA) with TLS 1.0 channel.
The application of
the virtual POS service ensures the following advantages:
·
checks
automatically whether the bank card offered for acceptance is included in the
blacklist;
·
verifies
the number and expiry of the bank card;
·
automatically
requests approval from the authorization centre of UniCredit Bank for every
transaction, whereby it verifies the availability of sufficient funds on the
account(s) related to the bank card offered for payment in each and every case;
·
Automatically
performs the electronic settlement (at midnight) with the financial institutions
issuing the bank card; however, this requires automatic closure of the business
day.
·
Minimizes
the risk of fraud related to bank cards by continuously monitoring bank cards
and individual transactions.
Acceptance
infrastructure provided by UniCredit Bank
UniCredit
Bank undertakes the virtual acceptance of the following bank cards, provided
that the payment without the presence of a card option (Card Not Present) is
basically determined by the bank issuing the card:
·
VISA
embossed cards
·
VISA
Electron cards (depending on the decision of the bank issuing the card)
·
V PAY cards,
(depending on the decision of the bank issuing the card)
·
MasterCard
embossed cards
·
MasterCard
Electronic cards (depending on the decision of the bank issuing the card)
·
Maestro
cards (depending on the decision of the bank issuing the card)
·
Cards issued
exclusively for online payment
In order for
card processing activity to work in a continuous and professional way,
UniCredit Bank operates a technical call centre available 24 hours at local
tariff rates, providing overall support in the event of any question you may
have concerning online bank card processing. (Tel: 06-1/577-1771)
3D Secure – The
guarantee of the safe bankcard acceptance
UniCredit Bank’s Virtual POS service applies the so-called 3D Secure safety solution, which was developed by international card companies MasterCard and Visa. 3D Secure provides maximum security and can be identified by customers initiating a transaction in your web store with the MasterCard SecureCode and the Verified by Visa logos. In the case of a 3D Secure transaction, the customer enters the unique identification code to be used for online purchases and in the case of these transactions Virtual POS contacts directly the bank issuing the card for the authorization.
UniCredit Bank’s
Virtual POS service applies the 3D Secure safety solution, which was developed
and introduced by international card companies MasterCard and Visa. 3D Secure
provides maximum security and can be identified by the MasterCard Secure Code
and the Verified by Visa logos.
The 3D Secure
solution has several advantages for the merchant because:
·
It
increases customers’ confidence in web stores;
·
It
reduces the risk of online fraud;
·
The
issuing bank assumes liability for any transactions potentially queried by the
Cardholder: the risk cannot be assigned to the merchant.
The online
purchase process
The
participants of the transaction are the same as in the case of a purchase in a
traditional retail outlet with the use of a POS terminal. It involves the
Cardholder, the acceptor merchant, the card issuing bank and the card acceptor
bank, which is in this case UniCredit Bank. During the purchase:
1.) In the
web store the customer compiles the shopping cart with the products it wishes
to purchase, enters the required delivery information and selects bank card
payment when entering the payment method.
2.) Then the
payment module installed in the web store system forwards the transaction data
(amount, currency, customer’s IP address and, if required by the merchant,
short description of the transaction) to the bank’s virtual POS application.
The transaction ID issued by the bank is returned to the same payment module.
3.) After
that, the customer is redirected to the bank’s payment site where the
transaction ID is also displayed. The customer needs to enter the bank card
data on the appearing payment site which displays the logo of UniCredit Bank.
(Name, card number, expiry, verification code). The redirection is performed in
the interest of the customer. In this way, sensitive card data are not
disclosed to and stored by the merchant operating the web store. For the sake
of maximum security, a complete redirection takes place in every case; the
so-called iFrame use by the merchant is not supported.
4.) Then the online authorization request
is made for the acceptance of the card. If the authorization is granted, the
transaction is executed.
5.) Finally, the customer is redirected to
the web store with its transaction ID, and UniCredit Bank forwards the
information regarding successful completion of the transaction.
If
you needed more information about this service, please contact our staff at
UniCredit bank branches or call UniCredit Call Center - available 24 hours a
day at local rates-at 06-40 / 50-40-50.
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