Client safety forms the cornerstone of our Digital Payment Solutions. We use the latest technologies and techniques like cross-channel authentication, step-up authentication for third party wallets, and tokenised card details to ensure all transactions are secure.
Despite the security inherent in our Digital Payment Solutions, the point of sale device will also prompt you to enter your card PIN for certain transactions while making a contactless payment.
Further security measures are designed to protect you when using our digital payment solutions such as your card PIN, device passcode and your FNB Banking App username and password. Another way to provide security is via Visa Token Service (VTS) - it uses a unique digital identifier instead of an account number. These should only be known to you and never be shared with anyone.
For contactless payments, the underlying technologies in use include HCE (Host Card Emulation) and NFC (Near Field Communication); both follow the standards for effecting secure contactless payments.
Checkout and Scan to Pay use the latest security standards for "card not present" forms of payment. The resulting transaction is fully 3D Secure compliant, ensuring the relevant protections for both the cardholder and merchant.