Credit card payment
The KLND Webshop provides its customers with a secure credit card payment solution provided by Stripe. You can find out more about Stripe credit card payments here .
Credit card payment information
KLND Webshop offers its customers a secure credit card payment solution provided by Stripe. Security is based on data separation. The KLND Webshop receives the order information from the customer, and the Stripe only receives the card information required for the payment transaction on the payment page with 128-bit SSL encryption. KLND is not informed about the data content of the payment page, it can only be accessed by Stripe. The result of the transaction after payment will be announced on the KLND website. To pay by card, your internet browser must support SSL encryption.
The consideration for the purchased goods, the amount paid will be immediately blocked on your card account. Please read our detailed information!
What to look for when shopping?
- Read the description of our Webshop, the conditions of purchase and the conditions of delivery and payment!
- Read the security conditions of the KLND Webshop, as this guarantees the security of your data!
- Keep track of your purchase information!
- Keep track of your payment transaction information! (transaction ID, authorization number)
- Ensure that your confidential card information is never accessed by unauthorized persons.
- Use a browser that supports the SSL encryption option.
SSL stands for Secure Sockets Layer. Our bank has a 128-bit encryption key that protects the communication channel. A company called Comodo allows the Stripe to use a 128-bit key to provide SSL-based encryption. Currently, 90% of the world’s e-commerce uses this encryption method. The browser program used by the customer uses SSL to encrypt the cardholder’s data before sending it, so that it is transmitted to the Stripe in encrypted form, so it cannot be interpreted by unauthorized persons.
Stripe’s online payment system allows the use of MasterCard, VISA and VISA Electron bank cards (only if authorized by the issuing bank) and payment with an internet card suitable for internet use.
- You select the goods on the KLND Webshop, the amount of which you want to pay by credit card.
- You will then be taken to the payment page, where you will need to fill in your card details in the fields guaranteeing secure payment operated by Stripe.
- After entering the card details, you can start the transaction by clicking the Payment button
- After payment, you will return to the KLND Webshop, where you will receive a confirmation of the outcome of the transaction.
In the case of payment by credit card, after a successful transaction – this means acceptance after checking the validity of the credit card and the cover – Stripe will start debiting the Cardholder’s account with the consideration for the goods or services.
If you are not redirected from the payment page to the Web Store page, the transaction will be considered unsuccessful. If you click on the “Back” or “Refresh” button of the browser on the bank payment page, or closes the browser window before being redirected back to the store, payment will be considered unsuccessful.
If you would like more information about the result of the transaction, in case of its failure, the reason and details, please contact the bank holding the account.
Questions and answers about online card payments
What types of cards can I pay for?
With VISA and Mastercard embossed cards, respectively. with some VISA Electron cards. The possibility to use VISA Electron cards online depends on the bank issuing the card.
Which banks’ cards are suitable for online payments?
With all VISA and Mastercard (EC / MC) cards authorized for online payment by the card issuing bank, as well as web cards specifically designed for internet use.
Is it possible to pay with shopping cards?
It is not possible to pay online with merchant cards issued by merchants / service providers that contain loyalty points.
Is it possible to pay with co-branded cards?
It is possible to pay with any co-branded card that is a MasterCard or VISA based card suitable for online payment.
The payment process
How does the online payment process for online payments work?
The customer initiates the payment on the merchant / service provider’s website after choosing the bank card payment method, as a result of which he is transferred to the payment page of the Bank with a secure communication channel. To make a payment, you must provide your card number, expiration date, and the 3-digit verification code on the signature strip on the back of the card. You initiate the transaction, from then on the card goes through real-time authorization, within which the authenticity, coverage and purchase limits of the card data are checked. If all the data is sufficient to continue the transaction, the amount to be paid will be blocked on your card by the bank holding the account (card issuer). The amount will be debited (deducted) within a few days, depending on the bank holding the account.
How is online card shopping different from traditional shopping?
We distinguish between Card Present and Card not Present transactions. The Card Present transaction is performed using a POS terminal device. After removing the card and entering the PIN code, the terminal will contact the cardholder’s bank, via the authorization center, and via the VISA or MasterCard network, depending on the type of card and the card issuer. Validity and coverage checks (authorization) take place here. Going back on the former route, the POS terminal (or the merchant) will receive approval or rejection. The buyer signs the receipt. A Card not Present is a transaction in which the credit card is not physically present. This includes transactions carried out by letter, telephone or electronic means (Internet), in which case the customer (cardholder) initiates the transaction by entering the card details requested on the secure (128-bit encrypted) payment page. You will receive a so-called an authorization number that is the same as the number on the paper-based receipt.
What does the reservation mean?
The transaction is immediately followed by a reservation (blocking) when the bank becomes aware of it, as the official data must first be received for the actual debit, which takes a few days and below which the purchased amount can be spent again. Therefore, with the reservation, the money bought or withdrawn is separated and placed under the reservation. The reserved amount belongs to the account balance, ie it bears interest, but once again it cannot be spent. The reservation ensures the rejection of transactions that are no longer covered, although in principle the account balance would still allow this.
Reasons for unsuccessful payment and what to do about it
Usually a payment order not accepted by the card issuing bank (i.e. where the customer received the card); but in the case of the use of a bank card, this may also be due to the fact that due to a telecommunication or IT error, the request for authorization will not reach the bank issuing the card.
- The card is not suitable for online payments.
- The use of the card on the Internet is prohibited by the bank holding the account.
- The use of cards is prohibited.
- The card details (card number, expiration date, code on the signature strip) were entered incorrectly.
- The card has expired.
- There is no collateral to complete the transaction.
- The amount of the transaction exceeds the purchase limit of the card.
- The line may have been broken during the transaction. Please try again.
- The transaction failed due to a timeout. Please try again.
- If you did not return to the merchant / service provider from the payment page, the transaction will fail.
- If you have returned from the payment page, but the browser returns to the payment page using “back”, “reload” or “refresh”, the system will automatically reject your transaction for security reasons.
What to do if the payment procedure fails?
In each case, a transaction ID is generated from the transaction, which we recommend to record. If a transaction is declined from your bank during the payment attempt, please contact your account-holding bank.
Why contact the bank holding the account in case of payment failure?
During the card check, the bank holding the account (issuing the card) notifies the bank of the merchant (acceptor) collecting the amount whether the transaction can be completed. The accepting bank may not disclose confidential information to a customer of another bank, only the bank identifying the cardholder has the right to do so.
However, what does it mean if I received an SMS from my bank to reserve / block the amount, but the merchant / service provider indicates that the payment was unsuccessful?
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 will automatically fail. In this case, the amount will not be charged to your card and the booking will be canceled.
What do Comodo and the 128-bit encrypted SSL communication channel mean?
SSL stands for Secure Sockets Layer. Our bank has a 128-bit encryption key that protects the communication channel. A company called Comodo allows the Stripe to use a 128-bit key to provide SSL-based encryption. Currently, 90% of the world’s e-commerce uses this encryption method. The browser program used by the customer uses SSL to encrypt the cardholder’s data before sending it, so it is sent to K&H Bank in encrypted form, so it cannot be interpreted by unauthorized persons.
After payment, my browser warned me to leave the security zone. Is the security of my payment guaranteed in this way?
Absolutely yes. The payment process takes place over a 128-bit encrypted communication channel, making it completely secure. After the transaction, you will be returned to the merchant’s website, if the merchant’s page is not encrypted, your browser will warn you that you have left the encrypted channel. This does not pose a threat to payment security.
What does the CVC2 / CVV2 code mean?
In the case of MasterCard the so-called Card Verification Code, in the case of Visa the so-called Card Verification Value is a numeric value encoded on the magnetic stripe of a credit card that can be used to verify the authenticity of a card. The so-called The CVC2 code, which appears in the last three digits of the number on the back of Mastercard cards, must be entered when shopping online.
What is Verified by Visa?
Visa cardholders registered in the Verified by Visa system choose a password from the card-issuing bank to identify themselves when shopping online and to protect against unauthorized use of Visa cards. K&H Bank accepts cards issued within the framework of the Verified by Visa system.
What does the UCAF code mean?
For MasterCard cards, any unique code you may have received from your card-issuing bank. If you did not receive one, leave the field blank.