Pay secure with your credit card
A credit card is a convenient and secure way to pay for your purchases, both online and in stores. Learn how to help prevent fraud and pay with confidence.
How to use your credit card online
Enter your credit card details to pay
An online credit card payment often starts by entering the following details:
Is this not your first payment with this online provider? Then there is a good chance your details are already saved and you won’t need to enter them again.
Enter your 3-digit security code
The Card Verification Code (CVC) for Mastercard and the Card Verification Value (CVV) for Visa are the 3 digits on the back of your credit card. This code provides extra security for online and telephone payments.
Complete your payment with 3D Secure
When you pay online with your credit card, you need to confirm that you are the owner of that credit card. You do this with an extra check: a digital 3D Secure signature. Mastercard calls this Mastercard ID Check, and Visa calls it Visa Secure.
There are 2 options:
How to confirm your payment Online
You choose to pay with your credit card in the online store. If your details are not yet known, simply enter them.
- A new window opens
You are redirected to the Rabo App or Rabo Online banking and receive a notification if you have push notifications turned on. - Log in and check the payment
Check whether the name of the recipient, the amount and the last 4 digits of your credit card are correct. - Sign for your purchase
You do this using your 5-digit code, fingerprint or facial recognition. - Complete your order
To do this, go back to the website or app of the online store and click ‘Complete order’ within 10 minutes. - Your purchase has now been ordered and paid for securely.
Are you paying online with your credit card without the Rabo App or Rabo Online banking? Use the Rabo Scanner with the 6-digit code from the online store. Enter your card details if asked.
- A new window appears
The screen displays a message asking you to: ‘Confirm using the Rabo Scanner’. - Write down the transaction code, open a new tab and go to rabobank.nl/3ds
- Enter the transaction code and check the payment
Check whether the name of the recipient, the amount and the last 4 digits of your credit card are correct. - Insert your credit card into the Rabo Scanner
Enter your credit card PIN, scan the color code on the screen and enter the signature code in the tab. - Complete your order
Return to the online store’s website or app and click ‘Complete’ within 10 minutes. - You have now securely ordered and paid for your purchase
Want to pay online with your credit card too? Apply for Rabo Online Banking. You can do this on your computer, tablet, or phone.
Purchase insurance
Almost all purchases you make with your credit card are insured against loss, theft, and damage:
• RaboCard: insured up to 180 days after purchase
• Rabo GoldCard: insured up to 360 days after purchase
Disagreement about delivery
It is frustrating when you buy something online with your credit card and the product is not delivered. First, contact the company you ordered from. Ask what went wrong and whether they can still deliver the product. If that does not work, ask whether you can get your money back.
If you don not get your money back, you may be able to dispute the payment with us. Whether that is possible depends on a few things.
24/7 fraud prevention
As with other payment methods, credit cards can also be used fraudulently. We check all credit card transactions for possible fraud. If we see something suspicious, we can take action and contact you if needed. One possible action is blocking the credit card.
Do you suspect fraud, unauthorized use, or a processing error? You can request your money back up to 120 days after the payment. It is then up to the online store to prove that it kept its agreements and acted correctly.