We are introducing a new identification method for all customers using Zagrebačka banka’s cards for online payments gradually, as of July 2020. This change relates to online shops supporting the 3-D Secure security standard where you are identified by your token.
In addition to the available method using an OTP from the token, we are introducing transaction validation using the APPLI2/MAC method. If this sounds complicated, here are some explanations.
If you already use a token or m-token, this novelty will not be a big change. When using your card to pay online, just follow the instructions appearing on the screen:
- After you enter your card details, an additional authentication screen will be displayed – now activate your Zagrebačka banka token or m-token and follow the instructions on the screen:
Initially, the new transaction authorization method was applicable in the case of Maestro debit cards and Mastercard credit cards. As from October 2020, this method is applicable in the case of Zaba Visa Electron debit cards.
If you do not have a token, please visit your nearest Bank branch to arrange our free-of-charge m-token service.
To make it even more convinient, from 18 November 2020 you are able to make all payments using 3DS biometrics. For more information, visit our website Online payment service - 3DS biometrics.
In addition to a physical token, individual users of online banking (e-zaba) may arrange an m-token, which is located within our m-zaba mobile app.
Note: Depending on the version of the 3-D Secure security standard supported by the online store you are visiting, OTP validation may still be used. In that case, just proceed in the usual way.