Payment, Order

CIB BANK/CREDIT CARD PAYMENT

Our webshop is offering its consumers secure bank card payment provided by CIB Bank. The security relies on the separation of data. With the use of the system, the webshop receives only the quantity of the ordered commodity and the delivery address from the consumer, while CIB Bank the card data on a 256-bit TLS secured payment page. Acceptable cards: MasterCard, Visa Classic, Maestro and Visa Electron cards. Important! For Maestro and Visa Electron cards, the bank of issuance determines the card’s online use.

PAYPAL

Should you have a PayPal account registration you can buy online without having to enter bank card details. The delivery of products is only possible after the successful payment process.

PAYMENT BY BANK TRANSFER

Settle your order’s cost by bank transfer. When ordering we will send an order confirmation email where you can find all the necessary details for bank transfer payment: bank account number, order number (ORDER ID). The delivery of products only possible after the fulfillment of the settlement process which we will inform you about by SMS or e-mail. Please note that for receiving the product you may be required to announce the order number (ID) on the invoice, so please make a note of it!
Please do not forget to indicate your ORDER ID in the communication box when transferring! You can find your order ID in the pro forma invoice or the confirmation e-mail of your order.

What types of cards can I pay with?

You can pay with all embossed VISA and MasterCard cards, and certain VISA Electron and V Pay cards. Whether or not you can use VISA Electron cards for internet-based payments depends on the bank that issued the card. VISA Electron bank cards issued by CIB can be used for internet-based purchases.

Which banks’ cards are suitable for internet-based payments?

All VISA and MasterCard/Maestro cards that the card-issuing bank has authorized for internet payment, as well as ‘web cards’ issued specifically for internet use.

Can I pay with a shopping card?

Point-collecting cards, used for storing loyalty points, issued by merchants/service providers, cannot be used to pay via the internet.

Can I pay with a co-branded card?

All co-branded cards that are MasterCard or VISA-based cards suitable for internet payments can be used to pay.

How does the background process for online payment work?

After choosing ‘bank card’ as the method of payment on the website of the merchant/service provider, the shopper initiates payment, and is then diverted to the Bank’s payment page, which is equipped with a secure communication channel. For payment, you need to give your card number, card expiry date, and the 3-digit security code on the signature strip on the reverse side of the card. The transaction is launched by you, and then the card undergoes a real-time authorization process, in which the authenticity of the card details, the available funds and the spending limit are all checked. If all the data necessary for continuing the transaction is in order, your account-keeping (card-issuing) bank blocks the payable amount on your card. The debiting (deduction) of the amount from your account takes place within a few days, although precisely how long it takes will depend on the account-keeping bank.

How does a card-based purchase via the internet differ from a conventional card-based purchase?

We distinguish between transactions where the card is presented in the store (Card Present), and those where it is not physically present (Card Not Present). Card Present transactions take place using a device called a POS terminal. After the card has been swiped and the PIN keyed in, the terminal makes contact with the card holder’s bank via the authorization center and, depending on the type of card and its issuer, either the VISA or the MasterCard network. This is where the validity and funds verification check (authorization) takes place. The POS terminal (and the merchant) receives the approval or rejection via the same route, only in reverse order. The shopper signs the card receipt. Card Not Present transactions are transactions where the bank card is not physically present. These include transactions executed by post, telephone or electronically (via the internet), in which case the shopper (cardholder) launches the transaction by giving his or her requested card data via a secure (256-bit encrypted) payment site. If the transaction is successful, you receive an authorization number, which is the same as the number that would be shown on the paper receipt.

What does reservation mean?

As soon as the transaction comes to the bank’s attention, it is followed by reservation (blocking), because the actual debiting can only take place once the official data arrives, which can take a few days, in which time it would otherwise be possible to spend the amount of the purchase again. This is why, through reservation, the money used for a purchase or cash withdrawal is segregated and blocked. The reserved amount is still part of the account balance, so it earns interest, but cannot be spent again. Reservation ensures that transactions for which there aren’t enough funds are refused although the account balance would, in principle, still permit them.

When might a transaction be unsuccessful?

Usually this happens when the payment order is not accepted by the card-issuing bank (i.e. the bank that gave you the card), or it might be due to a telecommunication or IT fault that prevents the authorization request from reaching the card issuer when using a bank card.

Card-related errors:

• The card is not suitable for internet payments.
• Use of the card over the internet is blocked by the account-keeping bank.
• Use of the card is blocked.
• Incorrect card data (card number, expiry date, security code on the signature strip) has been given.
• The card has expired.

Account-related errors:

• There are insufficient funds to execute the transaction.
• The amount of the transaction exceeds the card spending limit.

Connection-related errors:

• The connection was probably lost in the course of the transaction. Please try again!
• The transaction timed out. Please try again!

Technical errors:

• If you are not returned from the payment site to the website of the merchant/service provider, the transaction was unsuccessful.
• If you have left the payment site, but return to the payment site using the browser’s “back”, “reload” or “refresh” function, the system will automatically refuse the transaction for security reasons.

What should I do if the payment procedure is unsuccessful?

A transaction ID is generated for every transaction, and we recommend that you make a note of this. If in the course of the payment attempt the transaction is refused by the bank, please get in touch with your account-keeping bank.

Why do I have to get in touch with my account-keeping bank if the payment was unsuccessful?

In the course of the card check, the account-keeping (card-issuing) bank notifies the (accepting) bank of the merchant collecting the amount whether the transaction may be executed. The accepting bank cannot give out confidential information; only the bank that identifies the cardholder is entitled to do so.

What does it mean if I get an SMS text message from my bank on the reservation/blocking of the payable amount, but the webshop indicates that payment was unsuccessful?

This can happen if the card check has taken place on the payment site, but you have not returned to the website of the merchant/service provider. In this case the transaction is classified as incomplete, and as such it is automatically deemed unsuccessful. When this happens, the amount is not charged to your card, and the reservation is lifted.

What do VeriSign and 256-bit encrypted TLS communication channel mean?

TLS is the abbreviation for the Transport Layer Security, the approved encryption process. Our bank has a 256-bit encryption key, which protects the communication channel. The company VeriSign enables CIB Bank to use the 256-bit key with which we ensure the TLS-based encryption. At present, 90% of the world’s electronic commerce uses this method of encryption. The browser program used by the shopper encrypts the card holder’s data using TLS before sending, so that all the information is transmitted to CIB Bank in encrypted form, rendering it undecipherable for unauthorized persons.

After the payment, my browser warned me that I’m leaving a secure zone. Is the security of my payment still assured?

Absolutely. The payment process takes place via a 256-bit encrypted communication channel, so it’s totally secure. After the transaction, you’re returned to the merchant’s website, and if the merchant’s website isn’t encrypted, your browser will warn you that you’re leaving the encrypted channel. This doesn’t represent a threat in terms of the security of the payment.

What’s the CVC2/CVV2 code?

At MasterCard, this is short for Card Verification Code, and at Visa, for Card Verification Value, and it is a numerical value coded onto the magnetic stripe of the bank card, which can be used to determine the authenticity of the card. The CVC2 code, which is the last three digits of the number printed on the reverse of MasterCard/Maestro cards, must be provided in the course of internet purchases.

What does Verified by Visa mean?

Visa cardholders who are registered in the Verified by Visa system can choose a password at the bank that issues the card, which they use to identify themselves when making internet-based purchases, and which protects against the unauthorized use of Visa cards. CIB Bank accepts cards issued under the Verified by Visa system.

What does MasterCard SecureCode mean?

Mastercard/Maestro cardholders who are registered in the Mastercard SecureCode system can choose a password at the bank that issues the card, which they can use to identify themselves when making internet-based purchases, and which protects against the unauthorized use of Mastercard/Maestro cards. CIB Bank accepts cards issued under the Mastercard SecureCode system.

What is the UCAF code?

If you have a MasterCard/Maestro card, you may have received an individual code from your card-issuing bank. If you didn’t, just leave the field blank.

The prices are considered in different currencies (EUR, HUF), which can be set in the header. You can pay in EUR (Euro) or HUF (Hungarian Forint). Please note that the invoice will be issued to the corresponding currency. The prices include the VAT.

In our webshop, your payment must happen before your unique 3D printing process starts. So in case of bank card or PayPal payment method – should you have accepted payment – we will charge you the product/service cost immediately. In case of bank transfer payment method, you will have 10 days for the payment.

Please note that 3D printing of your customized product(s) can only start after the completion of successful payment, so the delivery time shift accordingly!

Since in almost all cases our visitors/customers create customized, personalized products, appropriate gifts for personal needs, these are not likely to represent the same values to others, so they could not be sold again as unpaid (returned) order. Thus, in each case in the order must be paid.

Prices may vary on 3D product configurator! 3D printed product prices depend on the product (3D model) volume, type of materials and finishing used. Therefore, during the modification of these parameters (size, material/color, finishing) the price of the product can vary accordingly.

Thank you for your confidence. Please save the product you want to order to your „Saved Design” and contact us. We try to give a unique, most favorable offer to you.

If you receive an email in which you are asked to give us card details or similar information, please be aware that this is not sent by Manubim. We will only request account information in response to your queries or when there are unclarities with an order you have done, but we will never ask for bank details via email.
Please do not respond to such requests. If you ever receive an email in which you are asked to give specific personal data via a link, do not reply to this, do not click on the link and delete it immediately.

WHAT IS A PHISHING E-MAIL?

Phishing email messages are designed to steal your identity and/or infect your computer with a virus. They ask for personal data, often by asking you to click on a link and directing you to websites or phone numbers where they ask you to provide personal data. The link will often try to infect your computer with a virus. After that personal details will be misused immediately.