Online or directly in stores, it is very easy to shop. With the card or with the phone, it is just as simple to pay for everything you have bought. However, we have a few tips to keep your money safe.
When you pay in stores at POS with card/phone:
- You must receive a receipt for each approved/rejected transaction.
- Check the transactions often. You can do it, for example, through BT Pay, BT24, NeoBT or BT Visual Help.
- For contactless card payments up to 100 lei, you are not asked for your PIN. If you have made consecutive transactions totaling over 650 lei or 150 EUR without entering the PIN, the code will be requested at the next transaction even if the amount is under 100 lei, for security reasons. For payments with the phone, this measure does not apply because these payments are authorized each time with a fingerprint, face ID, or your phone's security method.
When you pay online
- Make sure you are on a secure site. Address web must tostarts with https, and on page must toappear a symbol padlockand from trust”. Buy from site-uris on whichto theknow. Ifyou havedoubts, no payin advance goods andcheck reviews/reviews regarding site-the/merchant/product.
- If the ordered product does not arrive on time, contact the seller as soon as possible. If there is no response, contact the bank.
- Pay attention to the the terms andthe conditions presented by the merchant and only ifyou are agreed continuetransaction. We refer to policy of cancellation, of return, the conditions delivery, solutioncomplaints etc.
- Pay attention to the the “free trial” offers, how they ardo testare free for a perioddetermined, afterwhich, if NO you express explicitly the wish of not continuesusing services, ifconsidersautomaticasyou are agreed toyou pay a subscription for a certain period and you will be debited automatically, monthly with amountagreatăof holdthroughacceptance (checking) of the terms andconditionsinthe moment beginningstestingfreeanddata entry of card.
- Information usually requested from you to make a payment are: card number, expiration date, name on the card, and CVV2 code (the security code on the back of the card).
Subsequently, you are asked to confirm the online payment:- let throughauthentication payments through application BT Pay, ifyou haveenrolledthe cardinapplicationandin 3D Secure. You will accessednotification and will authenticatetransaction with fingerprint, recognitionfacialor with method of securing the phone your. Be careful whenapprove - checkamountandthe name of the merchant whichyouappear on the screen.
- be authentication with two passwords - one dynamic, received from the bank and one static, set by you. Be careful when approving - check the amount and the merchant's name from the SMS received from the bank.
- Trading limits can be modified through the BT applications or with the help of the Call Center team (0264 308 028). You can set the limits based on types of operations: payment at POS in stores, online payment, ATM withdrawal, and by total number of transactions. You can also choose the time interval on which you want to limit the transactions.
Don't forget:
- Do not communicate never card data following the receipt of some SMS/email/call links. The card data is entered when you have started a purchase on a trusted website, on the payment page.
- Do not offer the bank card details to receive money. If someone needs to send you money, you must provide them with the IBAN code. Providing card details and codes received via SMS actually gives the possibility of having money taken from your account, not of receiving it.
- Be careful about information regarding lotteries, donations through links from social networks etc., messages through which you are informed that you have won something and to receive the product of significant value you must pay a negligible amount for shipping, to the messages through which you are informed that to receive a package (which you neither ordered nor are expecting) you must pay a fee. Analyze very carefully the offers that seem very advantageous, they can be scams. All these methods are traps that can make you give fraudsters your card details and security passwords to actually authorize transactions on various websites for much larger amounts.
