Credit card payment
RUNNIN RIOT mailorder and 3DSecure credit card payments
We at Runnin Riot Mailorder want to ensure the safety of customers, so we only accept purchasing with 3DSecure credit / debit cards (Visa and MasterCard SecureCode Verified). Each time more and more online stores are associated with this service to ensure safe transactions and payments through internet, this is the future!.
Our Checkout page links securely with secure payment page of our bank (SSL), Banco Santander. You will be asked to introduce your credit card number, expiration date and CVV2/CVC2 data, once confirmed your bank will ask you to introduce your password or pin to complete transaction.
Easy, fast, and secure
No matter which card you have, or which bank it is, if you have activated the protection 3DSecure on your credit card, you make your purchase directly on our website, once you select Credit Card / Debit Card payment you will be connected to our bank's secure page for you to complete payment details and you confirm you are the real cardholder by introducing your confirmation password at your banks confirmation page. Otherwise you can place your order but it will be rejected later unable to verify that you are the real cardholder if you don't have your card activated for secure 3D payments or forgot the password.
What is 3DSecure?
Since the chip and pin was introduced on credit/debit cards, online fraud has increased. 3D secure was introduced as an extra step to secure your credit/debit cards when using them online.
3D Secure stands for 3 Domain Secure. Visa has call their version ‘Verified by Visa’ and MasterCard call their equivalent ‘MasterCard SecureCode’. They are both 3D Secure.
In order to avail of 3D Secure authentication you must register your credit/debit card. This is a one time process which takes place on the card issuer’s (Bank) website. the process involves the cardholder answering several security questions to which only the card issuer and cardholder will know the answer. The cardholder then selects a password and agrees on a secret phrase, which will be used by the card issuer during each online transaction.
It is strongly advised that you never disclose your password or phrase to anyone, you should only have to enter it into a website during a transaction. You will NEVER need to disclose your password to any company personnel when buying online. Make sure the website you are buying from is diplaying a padlock in the browser, never buy from a website that does not display a padlock on the payment page.
3D Secure is considered the online version of the 'Chip and Pin' as the cardholder has a personalised password registered with their card that is entered during the checkout process. 3D Secure was predicted to become the industry standard for all online transactions by the end of 2008 . All online consumers will soon become as familiar with 3D Secure, as they have with their ‘Pin’ number when withdrawing money or paying for a product in a store.
3D Secure is available for all credit/debit cards so please check with your bank if you are unsure.
It is the new form of payment developed by Visa and MasterCard that enables secure purchases on the Internet and authenticates the purchaser as the legitimate holder of the card being used.
From now need a key that you provide your own bank.
Thus it becomes impossible to fraud in the network and guarantees complete security in transactions.
It is simply to associate your card, any or all of them, a secret number to pay online. It's like the number you use in the ATM, but only to buy online. There are banks that will provide a different code for each transaction you do, you can reach via SMS, others ask you to get into your online banking and grant permission to pay the card, etc ... Each bank has its own method for authenticating transactions.
If you have credit cards, protect.
Currently more committed fraud on the Internet worldwide, is to make purchases with stolen card numbers on sites that do NOT use 3DSecure Verified by Visa and MasterCard SecureCode. A criminal will just look at the number on your card to shop on sites that are not like ours (3DSecure). Therefore its important you ask your bank to activate the 3DSecure so you will need to authorize any payment or transaction you do with a password or pin you will only know, or your bank will generate for each ocassion.
How to Shop on 3DSecure?
The process is simple and similar to the present.
1. Having selected the card payment form and confirmed your purchase will be automatically taken to the payment gateway of our bank, a payment gateway safe and secure (https :) where you enter your card details. When you choose payment by credit card / debit card from our checkout page it will take you to our banks payment gateway and it will ask for your card number, expiration date and CVV2/CVC2 as in any other online stores.
2. But here comes the difference, at that time our bank connects with yours and detects if your card is activated. A screen will pop up or appear and your bank will ask for your authorisation password or pin, otherwise you will be invited to connect to your bank to enable it. Then our secure server receives the answer that everything is correct and process payment and order. If your card is not 3Dsecure or you introduce the wrong confirmation password your payment will be denied.
How to get the secret password or pin?
Contact your bank and ask for the password or pin to use your card as 3DSecure, or just so they activate your credit/debit card for secure payment on internet.
Of course this normally doesn cost you anything.
Many banks are even offering credit / debit card made special for internet shopping. On some you can even assign the amount you want in each moment, and recharge with the funds you want. This is a good initiative from the banks and guarantees even more safety when buying through the Internet. Check it with your bank many of them have these cards.
The advantages of paying by credit card?
Basically it's the convenience of paying without moving from home at purchase, you avoid having to go to the bank to make the payment or transfer and saves you having to queue. Also if you pay by credit card, VISA, MASTERCARD, etc... normally charge you in a months time at your bank account, so this is also good, you can buy today and get charged next month.
If a product is not available do I get a refund?
Of course, if a product of your order is not available and you were charged on the credit card. You can either add any alternative choices to your order to fill the missing item or we can refund directly to your credit card the amount of the missing items. No problem about that.
Do you keep or store our credit card data?
No, the only data we have access to is the order number, authorization code of the transaction which our bank supplies to us, and the date on which the payment took place, and amount. The card number and other data we never have access to, its only known by our bank and yours who just let us know if the payment is confirmed giving us the authorization code of the transaction, order number, date and amount. Your data is safe and secure.
Is there any commision paying with credit card?
Not anymore, there's no charge or commisions if you pay with credit or debit card.