Secure internet shopping

1. Card number
2. Cardholder’s full name
3. Card expiry date
4. Card’s Security Code code
   For older cards could be CVC2/CVV/CVC

* Debit / Credit designation on the front side of the card will help you understand what type of card you have: “Debit” meaning debit card and “Credit” - credit card

Before confirming the purchase, check if the details and value of the purchase are stated accurately on the merchant’s page.

We recommend shopping at stores with websites bearing the Mastercard SecureCode and/or Verified by Visa logotypes which denote a secure purchase system.

Even greater security requirements under EU directive take effect from Jaunary 2021. Card payments may fail at some online stores. In such cases information about other payment options can be provided to you only by the retailer.

• Internet shopping feature may be not enabled for the card
• The account lacks sufficient funds
• The card’s purchase transaction limit may be too low
• The card has expired
• It may be due to restrictions set by the merchant (e.g. cards of a specific type or cards issued in a specific country are not accepted)

We hereby advise you that we are carrying out the compulsory instructions of the Gaming Control Authority and are limiting operations that are conducted using credit/debit cards for payment, in relation to control of illegal remote gaming activity operators. A list of illegal remote gaming activity operators can be found on the Internet on this website: http://lpt.lrv.lt/lt/nelegalios-losimu-veiklos-vykdytojai.

A list of remote gaming activity operators who are licensed to carry out such activity can be found on the Internet on this website: Nuotoliniai lošimai | Lošimų priežiūros tarnyba prie Lietuvos Respublikos finansų ministerijos (lrv.lt).

• Make sure the card is active in the section “My Cards”. If the card is not active, it cannot be registered for internet shopping.
• If your card is linked to other person’s or company’s account, then you first need to contact the account holder or company’s representative in order to enable internet shopping. Internet shopping can be enabled for the card only by the card’s account holder or company’s representative.

In case of supplementary card, the cardholder needs to have an active Swedbank Internet Banking user account. If you don’t have one, contact the bank for further instructions.

If the user ID or code/password is entered incorrectly more than 5 times in a row, Swedbank will block access to the respective Internet Banking user account. In such an event contact the bank by phone on + 370 5 268 4444 or 1884 for instructions on how to unblock access.

The participating merchants have the following logos displayed at their internet store:

If the card is registered with the merchant for recurring purchases and a separate contract for it exists between the customer and the merchant, the merchant will be able to charge for transactions.

For example, if a user profile has been created, card details have been supplied and a contract has been signed on iTunes, Apple and Google website, then purchases will be charged to the card according to the contract irrespective of whether or not the card is registered for internet shopping.

• If necessary, the internet shopping feature for the card can be disabled by clicking “Disable”.
• In cases when the card is lost, we suggest temporarily suspending the card via Internet Banking or via the mobile app in the “Cards” section. If the card is found, it can be activated within 10 days via Internet Banking or by phone on + 370 5 268 4444 or 1884.
• If the card is stolen or falls into possession of another person, the card must be closed by calling + 370 5 268 4444 or 1884.

In which cases can card internet purchases be declined?

Since January 1, merchants are required to provide secure internet shopping. Otherwise, the transaction can be declined. The requirements apply to all European merchants and card issuers. The changes are aimed at making online shopping even more secure for customers - reducing the fraud risks, ensuring the confidentiality of the user data.

Since some online stores may not be able to prepare properly, in order to avoid inconvenience for customers who pay with a card online, Lithuania has a transitional period of 3 months. This means that in January customer card transactions in online stores will not be rejected if they do not exceed 500 EUR, in February - 250 EUR, in March - 100 EUR. Exceeding these limits, and from April - regardless of the amount, online card purchase may fail if the online store is not ready to request payment with strong customer authentication.

We hereby advise you that we are carrying out the compulsory instructions of the Gaming Control Authority and are limiting operations that are conducted using credit/debit cards for payment, in relation to control of illegal remote gaming activity operators. A list of illegal remote gaming activity operators can be found on the Internet on this website: http://lpt.lrv.lt/lt/nelegalios-losimu-veiklos-vykdytojai.

A list of remote gaming activity operators who are licensed to carry out such activity can be found on the Internet on this website: Nuotoliniai lošimai | Lošimų priežiūros tarnyba prie Lietuvos Respublikos finansų ministerijos (lrv.lt).

What should I do if my purchase is declined?

To which countries do the PSD2 requirements apply?

Will this requirement apply to online stores registered in the USA, China or UK?

How can I check weather a transaction will be successful in the particular internet shop?

One of the options is to look for the Secure Shopping logotype on the merchant’s website.

However, keep in mind that a transaction can also be successful in situations when merchant’s website doesn’t have such a logotype. You can also check if the merchant provides other payment methods. We urge to always make sure that the internet shop and the retailer are safe!

What exactly are those new requirements?

Are these changes applicable only for private cards or corporate ones too?