Secure payments on the Internet
Secure payments are essential
Online shopping, paying bills or booking tickets on the Internet; online transactions are more popular than ever before. Therefore, BNP Paribas Fortis makes security a priority.
Pay with your credit card
Before using your credit card on the site of an online store, check that the payment module address starts with https:// (instead of the usual http://) or that there is a padlock at the bottom of the screen. The display may differ depending on your browser. Also make sure that the site name matches the store chosen or the selected sector. Then complete the transactions as described below.
Please note that in order to confirm your payments, you will need your customer number, your credit card and your PIN.
- Enter your name, card number, expiry date and security code (on the back).
- Make sure that you are redirected to a payment module, either at your bank or integrated in the site.
- Confirm the payment with a card reader, your PIN and/or your security code.
- You are redirected to the website of the store to confirm the purchase.
Pay with your bank card
Does the Maestro or Bancontact/MisterCash logo appear on the store’s payment page? If so, you can pay for your purchase with your regular bank card. Here again, safety is key, so you must use your card reader to confirm your payment. This means you are protected by the principle of the mandatory strong customer authentication.
Pay with other payment systems
Some payment methods have been specifically created for online purchases (PayPal, iTunes, Google Play, etc.). These ensure secure payments on the Internet. They require the creation of an account separate from your bank account. This account shall be credited with smaller amounts, using your credit card, while benefitting from the security measures set up by the bank. Payments are then made via a user name and a password.
Greater security for online payments
We are buying, ordering, booking, etc. more and more online. Do you wonder whether the payments we make for these transactions are secure enough? Online payments and their security are governed by the Payment Services Directive or PSD2, the new European Directive for online payments in European webshops. PSD2 now makes the principle of strong customer authentication mandatory.
At the moment, your card number and the CVV code (the three-figure code on the back of the credit card) are usually enough to pay, especially on foreign websites. With PSD2, this will gradually become a thing of the past, at least in Europe. So whether you pay with your debit card, credit card or smartphone, from now on you will have to prove that you are you. Depending on the situation, this involves a combination of two of these three factors:
- something that you know: for instance, your PIN code;
- something that you own: for instance, your card reader or smartphone;
- something that is specific to you: for instance, your fingerprint.
For you, as a customer of the bank, this is not new. When you log into the Easy Banking Web or App, you already follow this exact procedure. Under PSD2, this is now standard for all European payments, whether it is the hotel room that you booked on a Dutch travel website or that great child’s gift that you spotted in a French webshop.
For non-European websites and a couple of exceptions, such as small amounts, monthly subscriptions, etc., these regulations do not apply and you can still pay with your card number and CVV code.
Would you like to know more?