Secure Payments on the Internet

Ensure comfort and security when shopping online through free subscription to "Virtual PIN" with service "Secure Internet Payments".

What is a Virtual PIN?

Virtual PIN is additional unique password for identifying the cardholder and confirmation of payments in a safe method via Internet. Used by the largest card organizations VISA and MasterCard.

We recommend the Virtual PIN to all clients who actively use their cards for payments on the Internet.

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Free subscription to all holders of credit and debit cards issued by the bank with the logo of Maestro, Visa, Visa Electron, VPAY and MasterCard.

The password is entered in the implementation of any payment for Internet merchants participating in the programs Verified by Visa and MasterCard SecureCode.

Programs Verified by Visa and MasterCard SecureCode

The service is free of charge for cardholders upon:

  • Subscribtion of the card during payment
  • Initial registration for Virtual PIN at ATM of the bank
  • Subsequent password change through a personal account or at ATM
  • Unblock forgotten password with a reminder question

Advantages

  • Comfort and security when shopping online through the virtual PIN as at purchases at real retailer by entering PIN code
  • Advantage in case of contestation of Internet transaction
  • The virtual PIN is private and known only to the cardholder
  • Creating your own account and updating the data in it
  • Merchants are secure, verified and included in the service of their servicing institutions
  • Easy recognition of the Internet merchants by signs Verified by Visa and MasterCard SecureCode
  • Various methods of subscriptions to the service

Personal Account in the Service

By subscribing to the service you can create your own account, where you can:

  • Change the Virtual PIN.
  • Create a personal message, which can be seen at every purchase at secured internet merchant.
  • Create reminder question about unblocking forgotten Virtual PIN.
  • Receive information about of payments at ensured traders.

Creation and access to personal account

To create your profile, select the type of your card and follow the instructions:

Visa Business cards

Visa Business Electron cards

MasterCard Business cards

Please note that should a sequential registration for different brands occur, e.g. Visa and MasterCard, you shall restart the browser for each single registration.

Registration for the Virtual PIN

Registration and maintenance of the service is free.

Fast and easily create virtual PIN while shopping at secured Internet merchants participating in the programs Verified by Visa and MasterCard SecureCode.

  1. You receive an invitation to create your own virtual PIN and an offer to subscribe your card into service before completing payment.
  2. You answer to two control questions set by the bank. Information about the requested data can be obtained from your servicing banker , from the statement of credit card or by calling UniCredit Bulbank Call Center at 02 9337 360 or from abroad at 00359 2 9337 360.
  3. After successful authentication you create a personal virtual PIN to confirm payments at ensured Internet merchants.
  4. Bank recommend to create your own account in the service, by setting Private Message and Reminder question to unlock the forgotten secret password.
  5. You have the right not to accept the invitation to activate during shopping and to complete the transactionbut it is possible in the future attempt for payments in site of a secured Internet trader you might not be able to complete your purchase successfully. 

For security reasons the bank reserves the right to refuse the payment card to sites of certain Internet merchants, if it is not registered for the service "Secured Internet Payments".

UniCredit Bulbank offers at ATMs * subscription of Visa and MasterCard cards for Virtual PIN

The service is available on ATMs with the logo of BORICA - BANKSERVICE type NCR and Wincor Nixdorf, providing this opportunity.

Registration and password receiving

Automatically sign in to the service and receive a permanent password - 9 digit code printed on the receipt of ATM. The password enables immediately to shop at participating in the programs Verified by Visa and MasterCard SecureCode.

It is recommended to update your account on the official website of the bank - changing the password, set the reminder question and a personal message.

Registration function can not be performed again.

Note: If the ATM has a problem with the printing of the receipt you should visit another ATM of the bank and select the "Change Password" by which the cardholder receives his password.

Temporary password for registration

Receive a temporary password (9-digit code), printed on ATM receipt.

This function is an alternative of the filing of application for subscription with a temporary password in the bank branch

Create a personal profile with a temporary password on the official website of the bank within 24 hours. Indicate constant secret password, personal message and reminder question.

Function can be executed repeatedly.

Note: If there is a problem with printing the ATM receipt function can be performed again on another ATM.

Change Password

Unblock your account and get a new permanent secret password when you forgot your password and the answer to your reminder question.

The new permanent secret password is the printed 9-digit code on the ATM receipt.

Function can be executed repeatedly.

Note: If there is a problem with printing the ATM receipt, function can be performed again on another ATM.

How to reach these functions?

Registration of a card at the ATM is done in the "Other Services" and then "Payment via Internet", "Verified by Visa and MasterCard SecureCode" and finally select one of indicated options.

You can see all ATMs with this function on our interactive map.

  1. From the menu choose "Other services" From the menu choose "Other services"
  2. Choose the "Online payment" Choose the "Online payment"
  3. Choose „Verified by Visa, MasterCard SecureCode” Choose „Verified by Visa, MasterCard SecureCode”
  4. Select the desired function in the sub-menu  Select the desired function in the sub-menu