Security

You can shop online comfortably with CardFinans, because CardFinans features the “3D Secure System”, which aims to minimize fraud and objections for online payment transactions. 

• The 3D Secure System developed by Visa and MasterCard provides an additional layer of security so that only “you” use your card for online shopping.
• “Verified by Visa” is the system’s application for use of Visa credit cards. “SecureCode” is the application for use of MasterCard credit cards.
•  At the time of payment, QNB Finansbank Secure Payment Window will appear, and you will be asked to enter credit card and payment information.
• Once you click “Send”, the system will check your card information and text a single-use password to your mobile phone.
• You purchase will be completed once you type the password you received in the SMS correctly on the screen.
•  Customers whose mobile numbers are incorrect or missing in the system may receive assistance at our branches.
• 3D Secure System is supported by the Interbank Card Center (BKM), Visa and MasterCard.

• In the event that your card is lost, stolen or held up in the ATM, immediately call +90 850 222 0 900 Telephone Banking to inform us of the situation.
• Do not ever accept offers of help for using the ATM from other people.
• Do not esteem those who call you and introduce themselves as public servants and find various excuses for you to send them top up and give out your card information.
• The card holder is responsible for the safe keeping of the PIN. Do not share it with anyone else including bank staff.
• Do not keep your PIN written down on your card, in your wallet or in your bag. Learn it by heart and destroy all the documents where your PIN information is printed.
• Ensure that your PIN does not consist of numbers such as your date of birth, ID card number, ID number, telephone number and sequential numbers that would be easily figured out by third parties.
• To increase your security level, change your PIN with regular intervals.
• If you are using more than one card, if possible create different PINs for each of them.
• Be extra careful when you are making transactions with your credit card in public places such as internet cafes. If possible, try to avoid making transactions from internet cafes.
• When you are shopping online, choose secure sites.
• Ensure that the computer you are using is protected against viruses. Use licensed anti-virus software.
• Do not respond to emails you receive that request your credit card number, PIN and personal information.
• Unless you are the one who initiated contact by telephone, do not share your credit card number, PIN and personal information with third parties on the phone.
• After you hand over your card for a transaction, make sure that you get it back.
• When you accept the delivery of your card via courier, check and make sure that the envelope has not been opened. Open the envelope, check that your card is inside and only then sign for the delivery. Inform +90 850 222 0 900 Telephone Banking of any suspicious circumstances.
• Do not under any circumstances hand back the card you have just received to the person/s who introduced themselves as the courier.
• When you are shopping online, prefer to use virtual cards that work with advanced security applications.
• Sites that offer online shopping opportunities are required to have security systems subject to international certification. Check if the site you are shopping from has an SSL certificate. Do not use your card on sites which do not have the SSL certificates. Inform +90 850 222 0 900 Telephone Banking of any internet sites operating without certification.
• Do not make your credit card related payments at institutions unauthorized by our bank such as invoice payment centers.
• If you do not use your card regularly, check with regular intervals that your card is in the designated safe keeping place.