Payments with Credit/Debit Cards

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  What should credit and debit cards look like?

  A: The shape and size of credit and debit cards should comply with the ISO 7810 Standard:

  • Width: 85.6 mm ± 0.13 mm
  • Height: 53.98 mm ± 0.06 mm
  • Thickness: 0.76 mm ± 0.08 mm
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  What is printed on the card?

  Each credit or debit card holds its information in its magnetic strip or in a chip. The front of the card contains the logo of the company (such as, Visa or MasterCard). On the back, there is a magnetic strip, the cardholder's authorized signature and the three-figure CVV2 code.

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  Which credit/debit cards does Alpari accept for online payments?

  You may use any of the following cards to make deposits to your account: Visa (Visa Electron, Visa Classic, Visa Gold, Visa Platinum) or MasterCard (Cirrus, Maestro, MasterCard Mass, MasterCard Gold, MasterCard Platinum).

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  Can I use my Visa Electron or Cirrus/Maestro card to deposit to my account?

  Please be aware that if you have either Visa Electron or MasterCard Cirrus/Maestro cards, there should be a 16-digit number and a CVV2 code on the back of the card, both of which are necessary to complete an online transaction with your card.

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  Transactions through PayOnline

  1. Pay close attention when making a payment through PayOnline: In the "Cardholder" field you must write your name as it appears on the card (first name then last name separated by a space). After your first transaction, your name will be registered in the PayOnline system as it was written in the "Cardholder" field.

  2. In the interests of security, you may not make more than five successful and five unsucessful transactions with Alpari from one card in a 24-hour period.

  3. PayOnline restricts the use of credit/debit cards while in a country other than the one in which the card was emitted. To make a transaction while abroad, you must furnish the Payments Department with a scan both of your passport and the credit/debit card (your full name, the issuing bank and the last four digits of the card must be visible. The remaining digits may be hidden).

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  What is 3-D Secure?

  In order to ensure the security of online payments, Alpari uses 3-D Secure technology, developed by Visa under the name Verified by Visa (VbV) to eliminate the risk in completing transactions online. MasterCard also uses 3-D Secure, under the name MasterCard Secure Code (MCC).

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  What is 3-D Secure for?

  This technology was created both for intercommunication between financial authorities and for identity verification or authentication, which uses a three-domain model (explaining the 3-D in the name of the technology).

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  How does 3-D Secure work?

  Before a transaction can be completed within the secure area of MCC or VbV, the client must, as usual, enter their card information: the card number, cardholder's name, expiration date, and CVV2 code. After entering the card information, in order to verify that they are in fact the true cardholder, the client is transferred to the website of the bank that issued the card, where they are asked to enter a password given to them by the bank. This is to confirm that the card has indeed not been stolen and is in the possession of the cardholder. This procedure substantially increases the security of your payments.

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  What if my card is in a  currency not used by Alpari for deposits by debit/credit card?

  If your card is in a currency other than one accepted by the processing center, the funds will be converted at the exchange rate of the bank that issued the card. Contact your issuing bank for specific exchange rates.

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  My transaction was unsuccessful. What could have caused this?

  Common errors in 3-D Secure include:

  1. Funds on your card are insufficient to complete the payment and also pay the fees.

  Please be aware that your bank may impose extra fees on your transaction, the size of which you may find out at your issuing bank. Also, if your card's currency is different from the currency of your trading account, you must convert your money and and will thus pay subjected to your banks internal exchange rate, which usually differs from the rate of Central Bank of the Russian Federation.

  2. The information entered about the card or the cardholder is incorrect.

  Check the information you enter carefully: if there is a mistake in one entry, the whole transaction will be unsuccessful.

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  An error occurred in transmission in 3-D Secure. What are some possible reasons why?

  Common errors in 3-D Secure include:

  1. Due to an authentication error, we are unable to complete your MasterCard SecureCode 3-D Secure Secure Payment.

  The payment will not go through because MasterCard's verification sever was unable to validate the card within the Three-Domain System.

  2. Due to an authentication error, we are unable to complete your Verified by VISA/ 3-D Secure Secure Payment.

  The VISA verification server was unable to validate the card within the Three-Domain System.

  Some possible causes and suggested solutions for these errors include:

  Cause: The cardholder did not receive the password for transmission within 3-D Secure.

  Solution: Contact the issuing bank to obtain the password.

  Cause: The card is not configured for online payment.

  Solution: Verify with your issuing bank that your card can be used on the internet.

  Cause: The card is not activated.

  Solution: Contact your issuing bank's Customer Service department to activate your card.