Frequently Asked Questions
It is mandatory to have Luminor Internet bank account and a valid authentication tool, which could be used to login into Internet bank: Smart‑ID, m. signature or code generator.
Also make sure you have Secure e‑purchase service enabled.
You can do this by coming to the customer service center (you should have your personal identity document – passport or identity card).
Internet bank: Payment Cards → E-Purchase settings → Activate service.
Mobile bank: Cards → Secure e-purchase status.?
All payment cards branded with “Visa” logo are subjects to the changes.
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Identity authentication during the purchase usually is required when payment is done at the merchant which is participant of “Visa” developed security program.
It usually is branded with “Visa Secure” or “Verified by Visa” logo.
If merchant is not a participant of security program, payment is completed without additional authentication step.
Make sure that:
- You have access to Luminor Internet bank.
- Your Internet bank account or authentication method you are using is not restricted/blocked. Usually the information about applied restrictions could be seen on purchase authentication window or on your phone (Smart-ID or m. signature application).
- Your card is active and valid.
- You have enabled Secure e-purchase service for your payment card.
If none of the above is the reason for not being able to confirm the purchase, please contact us via phone +370 5 239 3444.
In order to protect customer‘s funds and the means of payment from illegal use, Internet bank account might be restricted if authentication data is entered incorrectly. Also Internet bank account could be restricted if authentication was not completed few times in a row.
Always make sure that you confirm your identity with the secure authentication tool which you are using to log into Luminor Internet bank. Always be sure that you enter correct PIN code (Smart-ID or m. Signature application) or correct code generator’s code.
No, he/she can authenticate a purchase with payment card online using already owned access to company’s Internet bank. If cardholder is aware that his/hers Internet bank access might be terminated, but he/she intends to use his/her business card, it is mandatory to conclude a new Internet bank agreement with Luminor as an individual.
It is forbidden to pass usage of the payment card to the person who is not the rightful owner of the card (card is issued not on the name of that person). In order to pay, it is needed to order new card on the name of the new card holder.
Luminor in parallel is supporting older and updated versions of „Visa“ security program protocols. User interface design of authentication application is dependent on which protocol of security program will be used in the process.
Which protocol will be used in the process of authentication will be dependent on the version the merchant, at which payments is being made,
New „Visa“ security program protocol version user interface design looks like in the examples: