BT Pay is a secure IT mobile banking application, accessible via a mobile phone with an Internet connection. The application can be used on iOS and Android operating systems and needs to be installed from dedicated online stores (Google Play Store - for Android, Huawei App Gallery - for Huawei phones without access to Google services, respectively App Store for iOS).
If the bank has specific campaigns that allow users to send personalized links through which the application can be downloaded, BT Pay can be downloaded in this way as well („Invite your friends to BT Pay” campaigns). You will also be redirected to dedicated stores (Google Play Store for Android, Huawei App Gallery - for Huawei phones without access to Google services or App Store for IOS) to download BT Pay app. In certain situations, the Bank may run campaigns with prizes, thus customers who install BT Pay from these links can benefit of special bonuses mentioned in the respective campaign regulations, if they meet the eligibility criteria. The regulations of the campaign can be found on the Banca Transilvania's website, where it can be consulted.
Users can add BT and non-BT Cards and can use the app’s features, described in detail in the guidelines specific to each operating system:
1. Opening a business relationship with Banca Transilvania through BT Pay
In order to welcome those who wish to open a business relationship with BT, the bank offers natural persons of legal age, with tax residency only in Romania, the opportunity to become BT current account holders directly through the BT Pay mobile application.
In order to apply for opening a business relationship with BT through BT Pay, the previously mentioned persons must have an identity document issued in Romania, of the type - Identity Card (CI), respectively Electronic Identity Card.
Requests to open a business relationship initiated through BT Pay can be:
- Approved immediately after completing the application process for opening the business relationship through BT Pay;
- Approved in the following hours or on the following working days after the completion of this application process;
- Refused, in certain exceptional situations.
Regardless of the final resolution from the Bank, the applicant is informed directly in the application through a "push notification" type of communication.
The application to open a business relationship with the bank through BT Pay implies the acceptance of these BT Pay Terms and involves the processing of personal data as specified in the specific information note.
2. Authentication in the application
The registration of the user will be done by the application by the bank of the strict authentication procedure of the clients, as it is defined in the incident legislation regarding the payment services.
The registration involves the processing of some personal data, as we present in detail in the dedicated information note regarding the processing of personal data for the purpose of identification in BT Pay.
Following the registration made according to this point, depending on the category to which he belongs, i.e. individual bank client or card user, the user will have access to all the functionalities of the application or only to some of them, as mentioned in the specific guides indicated above.
Clients holding accounts opened at Banca Transilvania – Italia, who joined the BT Pay Italia application using an identity card issued in Romania and who have accounts /deposits opened at Banca Transilvania Romania, will be able to view and perform transactions from the accounts/deposits of Banca Transilvania Romania.
3. Card enrollment
Users can add in BT PAY the following types of cards issued on behalf of a natural person or legal entity:
A. BT cards
Users can add Banca Transilvania cards to BT Pay cards by entering the card data requested in the application.
Cards issued in the name of an individual can be enrolled and used in the BT Pay application even if the user has not taken possession of the physical card.The user can take possession of the physical card either by requesting it by courier, or by picking up the card from the territorial units of Banca Transilvania within the term established in the General Business Conditions of the Bank.
Adding the card in BT Pay app also involves activating it, if the activation was not previously performed at a BT ATM. If the customer has added the card in BT Pay and activated it, and subsequently takes possession of the physical card, it will be necessary to perform the following operations:
a) the card is reissued at maturity - the user must perform with the physical card a first operation of „Change PIN" from the ATM menu - „PIN administration". During this operation you will be asked for the existing pin code of the card and a new pin code, which can be the same as the existing pin code of the card. In the exceptional situation in which the user receives an error at the end of the „Change PIN" operation, he addresses to the bank the request for non-commissioned re-issuance of a new activation code, followed by the standard steps of card activation from ATM BT.
b) the card is newly issued or reissued on request - it is necessary to activate the physical card at the BT ATM and set a pin code for the issued / reissued card.
For mobile phones with Android operating system and built-in NFC technology, for performing contactless payments (NFC), the addition of the card enrollment and its validation leads to the allocation of a payment token (alternative card number) to that card, token that will be associated to the card registered on that phone.
After enrolling the BT card in BT Pay, the user can add the card in Google Pay solution, directly from BT Pay. The user will be subject to specific Terms and Conditions for using BT cards in Google Pay.
For phones with iOS operating system, the validation of the card data takes place, without being assigned a payment token, the token being required only for NFC payments.
After enrolling the card in BT Pay, in order to make NFC payments at the merchants' POS, the user may have the possibility to add it in the Apple Pay solution, directly from the BT Pay application. In this regard, the user will also comply with the Terms and Conditions for using the cards issued by Banca Transilvania in Apple Pay.
By adding the card in the BT Pay app, the user understands that it can be used for financial transactions such as, but not being limited to: contactless payments to merchants, transfers between cards of the same customer, transfers between cards of different customers, based on phone number or via IBAN (in the case of transfers based on the phone number, the user has the possibility to set a main payment card, directly from the card settings, an option that leads to the automatic payment of the amounts to the chosen card, without the need to accept money from SMS/notification), transfers to BT accounts of BT Pay users / to non-BT accounts of Alias Pay users activated at other banks that have joined the SPL (Standardized Proxy Lookup(“participating banks”)) from debit cards issued to BT individuals, receiving of amounts in the account attached to a BT debit card issued on the account of the natural person client holder, based on phone number, from clients of other participating banks (only by activating the Alias Pay * service from BT Pay), initiating interbank transfers (to non-BT accounts) by inserting the payee's phone number (without the need to activate the Alias Pay service), collection in BT cards from non-BT cards, confirmation(approval or rejection, as appropriate) of online payments through BT Pay, payment of utility bills by accessing the Invoice Payment service, viewing the card details: card number and CVV code (the 3-digit code displayed on the reverse card), contactless cash withdrawals, code-based cash withdrawals, card enrollment in the Apple Pay solution(for users with devices having the iOS operating system), card enrollment in Google Pay solution (users with Android operating system devices), activating and setting the Round Up service, issuing or reissuing a debit card, issuing a virtual card in RON, EUR, USD, to view the transactions’ history performed with the card (including credit cards), to display the expenses incurred with the card, grouped into categories, to display the benefits related to the enrolled BT card, to view the balance of the account to which the card is attached, in case of credit cards including for: viewing the monthly payment amounts, viewing installment transactions, early repayment of unpaid amounts from monthly installments, setting the automatic payment, on the due date, of the monthly obligations (the minimum and maximum payment amount) from the card holder’s current account, at the crediting of the account to which the credit card is attached with the minimum or maximum payment amount from any card enrolled in the BT Pay application, when applying for shopping offers, services offers and products offers of Banca Transilvania, as well as offers from partners.
The use of these functionalities, which involve debiting or crediting amounts, will be made in the bank account to which the respective card is attached, being the responsibility of its holder.
At the same time, after performing an additional validation by using the code received via SMS, through BT Pay you can access other functionalities of the application, such as: setting daily trading limits on digital and physical cards, temporary blocking and unblocking or permanent blocking of these cards, updating personal data in the bank system.
Also, certain categories of users(as well as, but not limited to: those identified as bank customers, natural persons with a current account who do not have a STAR Forte credit card) will be able to apply for a credit card of this type with a credit line attached. At the same time, certain categories of users (such as, but not limited to: those identified as clients of the bank, natural persons holding a STAR Forte, STAR Gold, BT Flying Blue Classic, BT Flying Blue Premium credit card) they will be able to apply to increase the credit line on the owned product.
In addition, certain categories of users (such as, but not limited to: those identified as bank customers, individuals, who have a current account with a debit card attached) will be able to apply for a line of credit/increase line of credit in the form of an overdraft.
By registering in BT Pay, the user understands that he will have access to the amounts from his accounts opened at BT or, as the case may be, to the amounts from the accounts of the account holders to which the additional card is attached and will be able to perform operations as defined in the chapter 3 below - "What you can do in BT Pay".
Through the 'Card saved at merchants' service, the user has the ability to manage the bank cards associated with their account, depending on their type:
1. For VISA cards: the BT Pay app user identified as a BT client, an adult individual account holder with an added card (excluding PF_Tichet), will be able to view:
- In the "Card Saved Online" section, the list of accepting merchants in whose websites/applications the card data has been saved for subsequent payments and which keeps this information in the form of a token;
- In the "Recurring Payments" section, the subscriptions and recurring payments associated with the card saved on the merchants' websites that save the information related to the card both in the form of a token and the data on the card.
The information regarding the card saved in the applications/on the merchants' websites will be available for viewing in BT Pay within a maximum of 48 hours from the moment they are saved.
Users will be able to view in the "Card saved at merchants" section the most recent transaction from the last 13 months related to each merchant.
Users will not be able to activate, modify or cancel subscriptions to services linked to a card from BT Pay. Any such modification must be made directly on the respective merchant's website.
The service offers the possibility to block future transactions for a maximum of 60 months from the list, of any card saved online at the merchants mentioned above. However, the blocking of future transactions does not automatically imply the deletion of the card issued on the user's account on the merchant's website. Thus, after the blocking of future transactions for future payments initiated on the merchant's website for which the blocking of transactions was requested, it will be necessary to reactivate payments for that merchant in BT Pay.
Blocking future transactions through BT Pay under the conditions indicated above will not automatically lead to the termination of the contractual relationship between the user and the merchant or to the blocking of future attempts to debit the account initiated by the merchant through another payment method. In this sense, the user is recommended that, after blocking future transactions according to this section, to permanently delete the card from the merchant's application/website.
2. For MASTERCARD cards: the BT Pay app user identified as a BT client, an adult individual account holder with an added card, will be able to view:
- In the "Card Saved Online" section, the list of accepted merchants whose websites/apps have stored the card details for future payments within the last 3 months, and who retain this information in the form of a token;
- In the "Recurring Payments" section, the subscriptions and recurring payments associated with the saved card on merchant websites within the last 3 months, where the card information is stored either as a token or as actual card data.
To request the deletion of saved bank card information or to cancel an active subscription with a merchant, the user must initiate the process through the merchant’s official platform (website or mobile app). These actions must be carried out in accordance with the procedures established by the merchant, as only through their official channels can individual user requests be properly identified and processed.
B. BT Direct cards
BT Pay users will be able to add cards issued by BT Direct by manually adding the card data, respectively: card number, first name, expiration date, CVV code (3-digit code on the back of the card).
After enrolling the BT Direct card, the user will be able to use it to perform the following operations: cardbalance, viewing the history of transactions made with the card, contactless payments to merchants, enrollment of cards in the Apple Pay solution (for users of devices with iOS operating system), enrollment of cards in the Google Pay solution (for device users with Android operating system), confirmation (approval or rejection, as appropriate) of online payments via BT Pay.
C. Non-BT cards
BT Pay users identified as individual customers of the bank and who have at least one BT card enrolled in the application, can also add non-BT cards to BT Pay by manually adding the cardholder data: card number, first name, expiration date, CVV code (the code from 3 digits on the back of the card).
Once the non BT card is added in the BT Pay app, the user can access the Open Banking functionality, that allow the user to visualize some financial info for 90 days, from other financial institution. After this period, the user has to reauthorize the access for a similar period.
If the user accesses the Open Banking functionality, he will be the subject to specific Terms and Conditions.
4. User authentication for accessing and usage of BT Pay
The application can only be used if the phone is secured by password, fingerprint or another security method provided by the phone. When registering in BT PAY, it is checked whether the phone is secured. Afterwards, every time you access the application, it is checked if there is a security on the phone.
The chosen security method will also be used to authorize contactless payments, online payments, ATM withdrawals, transfers, additional card settings, as well as in the case of other options that may require authentication.
If the user has set a security code (PIN code) for BT Pay, it will be used to authenticate and authorize transactions in the application, the user still having the possibility to use the phone security method when paying with the BT application Pay at merchants, without entering the application (if the payment method is set by unlocking the phone). If the user has the function of unlocking the device active by using some biometric data (eg: FaceID, fingerprint), after defining the security code, he will be allowed to activate the biometric data saved in his phone.
You acknowledge and understand that you are responsible for preserving the confidentiality of your authentication details related to the use of the BT Pay application and for taking all reasonable measures to keep such information confidential.
Should you notice the lack, theft, illegal appropriation or unauthorized use of your authentication details, as well as the mobile device that is using BT Pay, you undertake to notify Banca Transilvania without delay. Additionally, you agree to notify Banca Transilvania promptly, without unjustified delays and in the same manner, regarding any other breach of security in connection with the Service of which you become aware.
Banca Transilvania may suspend the use of your Authentication details or of your Account when there is a suspicion that the security thereof is compromised, or they are used in an unauthorized or fraudulent manner.
Banca Transilvania shall inform you in advance or, if not possible in advance, immediately after your Authentication details or your Account has been suspended, by indicating the reasons of such action, except for the situation when the disclosure of such information may compromise the reasonable security measures or may be against the law. Banca Transilvania shall reactivate your Authentication details or your account or shall provide you with new Authentication details or a new Account, within the shortest possible time after removing the causes of the initial suspension.
If you use BT Pay as a legal entity customer, you acknowledge that all officers, employees, agents, representatives and all the other persons who have issued on their behalf a card attached to the account of the legal entity, will be authorized to access the application, to perform payments with it in the application, view the transaction history of the card and the limits set on the card issued on their behalf, temporarily and permanently block the card and access the Offers section.
You assume full responsibility for the rights you have granted to third parties in your relationship with the bank, in order to operate on your personal accounts through the BT Pay application. You have the obligation to ensure that the designated persons have understood and comply with all conditions and limits imposed. If third parties act beyond the established limits or cause damage, the liability rests solely with the Customer.
By using the BT Pay application, you confirm and agree that your authorized representative, who holds the unique signature right, will have the possibility to process through the BT Pay application the following types of operations:
- View current accounts/savings accounts/term deposits;
- Make transfers from current accounts opened;
- Currency exchanges in currencies in which the holder has open accounts;
- Generating account statements;
- View transaction history;
- IBAN distribution;
- Configuring recurring payments;
Management of savings and deposits accounts, including establishment and disposal.
