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Secure internet shopping

Enable online payments for card to be able to pay for purchases at online stores!

The online payments feature must be enabled for each card separately.

How to pay by card at online stores

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

If the merchant has joined the Mastercard SecureCode and/or Verified by Visa system, then for extra safety the purchase will need to be verified via Swedbank Internet Banking.

If the store’s website doesn’t have the Mastercard SecureCode and/or Verified by Visa logo, then additional verification via Swedbank Internet Banking is required. 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.

  1. If you have the security message set Check if the security message is correct and click up, check if it is correct and click „Continue”
  2. Log into Internet Banking by entering your user ID and confirm with Smart ID, biometrics, PIN calculator, Mobile ID or ID card
  3. After confirming the purchase you will be redirected back to the merchant’s website

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)

Frequently asked questions

  • 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.
If online payments are enabled for current card, than renewed card will automatically be enabled for internet shopping. Online purchases may be confirmed with the Smart-ID, PIN generator or Mobile ID if the Internet shop has joined the secure shopping system MasterCard SecureCode and/or Verified by VISA.

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.

What should I do if my purchase is declined?

If a transaction has been declined because the merchant is not compliant with the PSD2 and other legal requirements, the bank can’t help the transaction to go through successfully in any way. In such a case, only the retailer itself can provide information to customers about other payment options if there are any. We urge to always make sure that the internet shop and the retailer are safe!

To which countries do the PSD2 requirements apply?

The PSD2 legislation applies to all countries within the European Economic Area.

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

No, the PSD2 requirements are only binding for the merchants registered in the EU and EEA. However, bear in mind that many large stores and shopping platforms have subsidiaries registered in the EU.

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?

The PSD2 directive expands the range of cases when internet (online) purchase must be strongly authenticated (using Smart-ID, biometrics, PIN generator, mobile-ID or ID-card) and at the same time sets exceptions when the strong authentication may be not applied.

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

They are applicable for all cards, both private and corporate.
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It is not possible to authorize or make payments from Swedbank on other web pages using Internet Explorer.

Instead, we suggest using Google Chrome, Mozilla Firefox or the newest version of Microsoft Edge. To find out how to install the suggested browsers, please click here.

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