1. How are online transactions using cards (e-commerce) carried out and how is Strong Customer Authentication applied?
Strong Customer Authentication (SCA) is a payment process that applies to card transactions in online stores in countries within the European Economic Area (EEA)*.
At the time of payment, after entering the card details, you will be asked to authenticate** yourself via a Piraeus Bank designated platform by using:
- accept with push notification for winbank mobile app or
- winbank web banking credentials and extraPIN
2. What should I have with me in order to make an internet purchase?
For Internet transactions, the holder is now required to carry with him in addition to the card details and the device of the mobile phone, registered with winbank.
- If the winbank web banking service is used, you are required to have winbank web banking passwords, your card details and the mobile phone device you have declared to winbank with you.
- If the winbank mobile app is used, you are required to carry your card details and the mobile phone device you have provided to the Bank.
3. I have excluded my debit card from winbank. Will I have trouble to make an internet purchase?
In order to be able to make an internet purchase with strong identification, you must cancel any restrictions you have given (View Only or Excluded) to your card (debit or credit or prepaid), by selecting "Full Access" in the menu winbank "Product Management".
4. How can I get winbank web banking codes?
If you do not have winbank codes, you can sign up for free here easily and quickly. To complete your registration you will need to:
• Have your 16-digit debit card number and your mobile phone at hand
• Remember your debit card PIN.
If you do not have a debit card, please visit a Piraeus Bank branch.
Alternatively, you can sign up for winbank web banking service at any Piraeus Bank branch.
5. Does the Strong Customer Authentication (SCA) process apply to all Piraeus Bank cards?
The Strong Customer Authentication process applies to all Piraeus Bank credit, debit, reloadable prepaid cards, owned either by individuals or businesses.
6. Does the Strong Customer Authentication (SCA) process apply to online card transactions in countries outside the European Economic Area (EEA)?
No, it applies to card transactions in online stores located in countries within the EEA.
7. Can I make online purchases using my card (e-commerce) without Strong Customer Authentication?
For online transactions up to €30, Piraeus Bank will not require Strong Customer Authentication when these do not exceed the cumulative amount of €100, for your own convenience. Once this amount is exceeded, Strong Customer Authentication applies. Each time a transaction that requires Strong Customer Authentication is carried out, the limit of €100 is reset to zero.
8. Does the cumulative limit of €100 for card transactions in online stores that does not require Strong Customer Authentication apply to non-EEA countries as well?
No, it applies exclusively to card transactions in online stores located in countries within the EEA.
9. Is there a limit on the number of online transactions under €30 using a card where Strong Customer Authentication does not apply?
No, there is no limit as to the number of transactions. However, there is a cumulative limit up to the amount of €100.
10. Is the €100 limit on card transactions in online stores reset to zero when the card is used in a physical store transaction as well?
No, the €100 limit only applies to card transactions of amounts up to €30, which are carried out in online stores and is reset to zero each time a transaction is carried out in an online store that requires Strong Customer Authentication (e-commerce).
11. Will there be any changes in the purchases I make using Masterpass service?
Masterpass transactions comply with the revised PSD2 Directive on Strong Customer Authentication.
12. How do I know my balance for purchases that do not require Strong Customer Authentication?
Once the limit is reached, you will be prompted to authenticate yourself on your next transaction.
13. I have an add-on card in my credit card. Does the €100 limit apply per credit card (primary or add-on card)?
Yes, the cumulative limit of €100 for e-commerce transactions applies per card (primary or add-on card). That is, all four (4) cards have a limit of €100, each.
14. I have an add-on corporate debit card. Will I have a single limit with my other colleagues' add-on corporate cards for the amount of PIN-less transactions?
No, each card has its own limit.
15. I have a debit, credit and prepaid card. Will I have a single limit for all my cards?
No, each card has its own limit.
16. I have an add-on credit card. Will I enter my own winbank credentials?
Yes, you will enter your own winbank codes and the mobile phone number you have registered when you signed up for this service.
17. How safe is it to register my winbank (web/mobile) web banking credentials on an online store where I intend to make a purchase using my card?
Winbank (web/mobile) web banking credentials are NOT registered in online stores. The codes are registered on a Piraeus Bank designated webpage.
Piraeus Bank applies state-of-the-art systems and recognized security protocols to ensure your secure access to winbank services that safeguard your online transactions based on strict specifications.
18. I use winbank service with limited access. Can I use these winbank credentials in the Strong Customer Authentication process when I make online purchases?
Yes, you can. However, a prerequisite for receiving an sms extraPIN or push notification message is to have your mobile phone registered with winbank web banking service.
19. I have issued a virtual business prepaid card through winbank business service. Since I do not have my own winbank service, will I enter my winbank business credentials when Strong Customer Authentication is required in purchases by card?
Yes, you will enter your business winbank credentials.
20. I have additional corporate debit as well as additional corporate credit card. Am I going to put winbank for business codes?
No, you will enter your own winbank personal codes and the mobile number that has registered, when you sign up, to the service.
21. Once I signed up for winbank, can I now make an Internet purchase?
At least one login to winbank should be made from the moment the registration was made.
*European Economic Area (EEA): EU Member States and Iceland, Liechtenstein and Norway
**As of September 14, 2019, strong customer authentication will not apply in some electronic transactions, due to the gradual adaptation of all stakeholders to the Strong Customer Authentication requirements.