Online payment confirmation

Changes from January 2021

In order for your online payments to be as safe as possible and in accordance with the legislation on payment security, from January 2021 we bring new security elements for the confirmation of online payments. This way you will know that any transaction you make online will be done safely and that no one will be able to make transactions using your card details.

However, payments become simpler and faster – with your phone, through the BT Pay app.

How can I confirm an online payment? It's simple. You have 2 options.

1
Recommended version - With fingerprint, FaceID or the method of unlocking the phone, through BT Pay. For each online payment, you instantly receive notification on your phone and confirm the transaction by unlocking the phone.
2
By entering two passwords: a dynamic password received by SMS on the phone number declared to the bank + a unique password defined by you when you make the payment online. You will change your unique password every 90 days.

The authorization of online transactions through the BT Pay application is simple & fast and complies at the same time with the requirements of the revised European Directive on payment services (PSD2) regarding the strict authentication of customers.

Confirm with BT Pay

  • You can download BT Pay without going to the bank, for free from Google Play or the App Store, add BT cards (even the company cards) and that's it!
  • When you pay online, you instantly receive a notification on your phone and you can confirm or cancel that payment, using your fingerprint, Face ID or the phone unlock method. It's simple, fast and safe.
  • Moreover, you have all the card details in the app – card number, expiration date and CVV – that you need when paying online.
  • BT Pay will also help you pay with your phone, check your balance or transfer money and more – see here.

Do you have any questions? You can find the answers here.

Confirming online payments with 2 passwords

If you do not have a phone compatible with the BT Pay application, you can confirm the payment online by entering two passwords:

  • A dynamic password, received by sms to the phone number registered in the bank's system for online payments, every time you shop online
  • A unique password defined by you. You will define it at the first online transaction, starting from January 2021, if you have not activated the option to authorize online payments through BT Pay. You will need to change this password once every 90 days. You will have this option when paying online, in the unique password page.

Do you have any questions? You can find the answers here.

Flow payments on the internet
via BT Pay
Choose the products and complete the order
Enter the card details (you can find them in BT Pay at card details)
You are redirected to a secure page
You get notification on your phone
Access the notification and confirm the payment with the method of unlocking the phone
Return to the secure page and follow the completion of the order

What is 3D Secure?

3D Secure is an international security standard for internet payments that aims to further protect the cardholder and reduce fraud in the e-commerce area (online payments). 

The revised European Directive on payment services brings new security elements in the confirmation of transactions, a stronger authentication of the customer, respectively the existence of at least two of the following elements: something you know, something you have and something you are.

We recommend that you choose to authenticate your online transactions through BT Pay, the process being simple and fast.

 

How does 3D Secure work?

When you pay online, on the website of a 3D Secure merchant, after you enter your card details, whether it is a Visa or Mastercard card, you will be redirected to another page confirming the payment through 3D Secure. You will confirm the transaction by the method of your choice:

  • If you have the BT Pay application and you have enrolled the card in 3D Secure, you will receive a notification on your phone, where the name of the merchant and the payment amount will be mentioned, and you will have 5 minutes to confirm or give up the online transaction. You will use the method of unlocking the phone: fingerprint, face ID, pin, password, etc.
  • If you do not have the BT Pay application and the enrolled card, you will enter a password received on SMS from us and a static password, defined by you at the first online transaction. The password is valid for 90 days and you will need to change it later.

Do I have to confirm each online payment?

There will also be online payments that do not require additional confirmation steps, established on the basis of your payment history, depending on the payment behavior, the sites on which the payments were made, if they are recurring payments, i.e. subscriptions or small value. This analysis can be performed by the bank or the trader. For example, you pay invoices month by month to the same supplier or you are a loyal buyer on a certain site, where the trader has defined a profile of yours. In 2021 there will be continuous improvements to these analyzes, so that situations in which you will not be asked for a strict authentication will also increase.