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Tips for safe online payments

  • Make sure the online store is trustworthy. If you haven’t bought anything from the same online store before, you can look up other people’s experiences from the shop on the internet. We also recommend that you enter the store’s website address in your browser yourself rather than following a link to it from another website or from a message.
  • Choose online stores that use strong authentication. With strong identification you will always be taken to a Nordea web page after you have given your card details. On the Nordea web page you verify your identity with the Nordea ID app or Nordea ID device.
  • Secure websites use verified solutions such as Visa Secure and Mastercard Identity Check for encryption and authentication of card purchases. This is done to verify the identity of both the buyer and the seller when a transaction is made.
  • Read the delivery and service terms and conditions of the online store carefully. If the website doesn’t have any information about the seller, doesn’t allow returns or charges exceptionally high costs, find a different store.
  • Pay your purchases with your credit card. When you pay with your credit card online, you get protection for your purchases under the Consumer Protection Act. For instance, if a product you ordered doesn’t arrive, you can claim for compensation.

Enable online payments for your card

You can pay for purchases online by entering your card details in the online store or choosing to use a mobile payment app such as Apple Pay, Google Pay or Samsung Pay Both ways of paying with a card are secure as they use strong identification.

Whichever way you choose, you have to allow online payments with your card. When you apply for a card, you are asked whether your card can be used for online payment. If you wish to check this setting or change it, you can easily do so in Nordea Mobile or Netbank.

  • In Nordea Mobile: select your card, then Settings. Turn online payments on.
  • In Nordea Netbank: select Cards from the Finances menu, then select your card. Click Edit next to ‘Online usage’, then confirm your change.

Read more about Apple Pay

Read more about Google Pay

Read more about Samsung Pay

Consumer protection and credit cards

All Nordea credit cards include protection against the seller’s breaches of contract as laid down in the Finnish Consumer Protection Act. It helps you get your money back if anything goes wrong. 

Read more about consumer protection

Technology enhances the security of online payments

Security in online payments has been continuously improved. Nowadays card payments are more secure than ever thanks to strong identification when confirming a transaction. Many authentication methods have been developed around strong identification and card security. These include 3D Secure, a payment card’s security code and tokenisation, all of which enhance security and reduce card fraud.

3D Secure

3D Secure is a security element used in card payments. It is used to verify both parties to a transaction, the buyer and the seller, at the time when a purchase is made.

This means that you must confirm a card transaction online by verifying your identity with your online banking codes.

Trusted online merchants use 3D Secure verification methods like Mastercard Identity Check (previously Mastercard SecureCode) and Visa Secure (previously Verified by Visa) in connection with card payments.

Security code (CVC / CVV)

When you pay with a card online, you will often be asked to enter your card’s CVC or CVV, which refers to the three-digit security code found on the back of your card.

Mastercard calls this security code a CVC (Card Verification Code), while Visa refers to it as a CVV (Card Verification Value).

Every card has a unique security code that is replaced with a new one every time your card is renewed. If you’re using a credit and debit combination card, you will find two different security codes on it – one for the credit facility and one for the debit facility.

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.

Paying with a card
Mobile payments
Frequently asked questions

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Read also our tips and instructions for payment cards:

Use cards safely

Card payments are safe if you handle your card carefully, set suitable security limits.

Read more about how to use cards safely

Online payments with a credit card

Paying with a credit card has many benefits which provide security and flexibility for online payments in particular. You will not get the same security and flexibility if you pay by invoice.

5 good reasons to use a credit card for online payments

How to dispute a transaction

If you spot any card payments, transfers from the credit account or cash withdrawals you don’t recognise in your account transactions or on your credit card invoice, dispute the transaction.

Read our instructions

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