Using cards online

Everything is available online, from information to entertainment content. Online shopping with card payment has become a usual way of getting a desired product or service in just a few clicks.

Although online shopping is simple and fun, check what you have to be careful about to protect yourself from frauds: Safe use of cards.

Online payment with a card starts:
1. by selecting a desired product or service
2. by entering your personal details, such as your name and surname, as well as your delivery address
3. and by entering your card details: card number, expiration date and/or the three-digit number from the back of the card (so-called CVC).

All Zagrebačka banka cards support the 3-D Secure security standard, i.e., reliable authentication is ensured when making online payments with Zaba cards.

After entering your card details, the transaction authorization method depends on whether the point of sale accepts the security standard or a certain exception applies (e.g., small-value transactions, subscriptions - recurring transactions, etc.).

It is recommended to make payments at retail stores supporting 3-D Secure (Mastercard Identity Check, Visa Secure).

For paying with cards at online shops supporting the security standard, you need a Bank m-token. If you do not have a m-token, please visit your nearest Bank branch to arrange it. The m-token service is free-of-charge. 

Important: As of 15 February 2024, it is no longer possible to use a hardware token for authentication of secure payment with cards. Find out more: Discontinuation of use of hardware tokens for Individual Clients

Find out more:
- all information about the 3DS biometrics method


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