How to pay safely online with your card

Checklist for safe online payments

Always make sure you can trust the online store. If you haven’t ordered from the store before, look into its customer reviews. You can also check the company’s credit record online.
You should write the online store’s URL yourself in your browser address bar. This is to ensure you don’t end up on a fake website through a search engine.
Choose online stores that use strong identification. This means that you will be asked to confirm your identity with your Nordea ID app or Nordea ID device after you have entered your card details.
Read the delivery and service terms and conditions of the online store carefully. Avoid online stores that don’t have any information about the merchant, don’t allow returns or charge unusually high delivery fees.
Pay for your online shopping with your credit card. This gives you protection under the Consumer Protection Act and allows you to claim a refund if you don’t get an item you ordered. Read more about consumer protection

There are many ways to pay with your card online

The traditional way to pay online with a card is to enter your card details at the checkout. A more modern and easier way is to use online or mobile payment apps. Both are secure ways to pay, as they require strong identification.

Payment apps

Online card payments

Card settings

How to enable online payments for your card

When you apply for a card, you are asked whether your card can be used for online payments. If you would like to pay with your card online by entering your card details or by using a payment app, you should first check your card settings to ensure you have enabled online payments for your card.

You can check these settings easily in Nordea Mobile or Netbank.

In Nordea Mobile: On the Overview tab, go to ‘Accounts and cards’. Select the card whose settings you want to change. Then select ‘Settings’ and enable online usage.
In Nordea Netbank: On the Finances tab, select ‘Cards’. Select the card whose settings you want to change and enable online usage.

Frequently asked questions about online payments

What are CVC or CVV codes?

A CVC or CVV code is a 3-digit security code printed on your card. Every card has a unique security code that is replaced with a new one every time your card is renewed.

These codes have different names depending on your card issuer. Mastercard calls this security code a CVC (Card Verification Code), while Visa refers to it as a CVV (Card Verification Value).

If you have a combination card, there are separate security codes for the credit and debit features of your card.

What are 3-D Secure, Mastercard Identity Check and Visa Secure?

EMV 3-D Secure (EMV 3DS) is a global security standard for card payments, developed by EMVCo in collaboration with major card issuers, such as Visa and Mastercard. 3-D Secure aims to ensure that a payment is always made by the actual card holder.

3-D Secure uses two-factor authentication. In practice, this means that you need to verify your identity in two distinct ways when making online payments. You can confirm card payments with your online banking credentials or a mobile app, for instance.

Trusted online merchants use 3-D Secure verification methods for card payments. These include Mastercard Identity Check (previously Mastercard SecureCode) and Visa Secure (previously Verified by Visa).

What is tokenisation?

Tokenisation is used for securing card details in mobile payment apps, such as Apple Pay.

Tokenisation is the process of converting a card’s details (number, CVC or CVV, and expiry date) into a digital and encrypted format.

Thanks to tokenisation, the details of a physical card are not saved in the app or smart device and they are not revealed to merchants.