Information about bank card payments

Training360 provides its customers with a secure payment solution using a credit card provided by CIB Bank. Security is based on the separation of data. Training360 receives the order information from the customer, while CIB Bank receives only the card details required for the payment transaction on the payment page with 128-bit SSL encryption. Training360 is not informed of the payment page data content, which can only be accessed by CIB Bank. The result of the transaction will be communicated to Training360 after the payment has been made. For card payments, your internet browser must support SSL encryption.

The service fee, the amount paid, will be blocked immediately on your card account. Please read our detailed information!

Welcome to Training360, CIB Bank's secure online payment solution!

CIB Bank logo

Here is a brief guide to how you can shop safely and securely.

What to look out for when shopping?

  • Read the Training360 brochure, terms and conditions of purchase, delivery and payment.
  • Review Training360's security terms and conditions to ensure your data is secure!
  • Keep a record of your purchase details!
  • Keep a record of your payment transaction details! (transaction ID, authorisation number)
  • Ensure that your confidential card details are never accessed by unauthorised people.
  • Use a browser that supports the SSL encryption option!

About security

SSL is an abbreviation for Secure Sockets Layer, the accepted encryption method. Our bank has a 128-bit encryption key that protects the communication channel. A company called VeriSign enables CIB Bank to use the 128-bit key to provide SSL-based encryption. This encryption method is currently used in 90% of the world's electronic commerce. The browser program used by the customer uses SSL to encrypt the cardholder's data before it is sent, so that it is encrypted before it reaches CIB Bank and cannot be read by unauthorised persons.

Cards accepted

CIB Bank's Internet payment system allows the use of Mastercard/Maestro, VISA and VISA Electron (Electron only if authorised by the issuing bank) bank cards belonging to the VISA product family, as well as payments via a web card suitable for Internet use.

Mastercard logo Maestro logo VISA logo

Payment steps

  1. You select the service you want to pay for by credit card on the Training360 page.
  2. You will then be redirected to CIB Bank's secure payment guarantee page, where you will be asked to fill in your card details to start the payment.
  3. Once you have entered your card details, click on the Pay button to start the transaction.
  4. Once you have paid, you will be returned to Training360 where you will receive a confirmation of the outcome of the transaction.

In case of payment by credit card, after the successful transaction, which means acceptance after the validity of the credit card and the verification of the cover, CIB Bank will start debiting the Cardholder's account with the value of the goods or services.

If you are not redirected from the payment page back to the Training360 site, the transaction will be deemed unsuccessful. If you click on the "Back" or "Refresh" button on the browser on the bank payment page or close the browser window before being redirected to the store, the payment will be deemed unsuccessful.

If you would like to know more about the outcome of the transaction, or if it is unsuccessful, the reason for the failure, please contact your account management bank.

Questions and answers about online card payments

Card acceptance

VISA and Mastercard embossed cards, and some VISA Electron cards. The possibility to use VISA Electron cards online depends on the issuing bank. VISA Electron cards issued by CIB can be used for online purchases.
All VISA and Mastercard/Maestro cards that have been authorised by the card issuing bank for online payments, as well as webcards specifically designed for online use.
It is not possible to pay online with loyalty point cards issued by vendor/service providers.
You can pay with any co-branded card that is a MasterCard or VISA card for online payments.

The payment process

The customer initiates the payment on the vendor's/service provider's website after selecting the payment method by credit card, which results in being redirected to the Bank's payment page with a secure communication channel. To make the payment, you will be asked to enter your card number, expiry date and the 3-digit validation code on the signature strip on the back of the card. The transaction is initiated by you and from then on the card is subject to real-time authorisation, which checks the authenticity of the card data, the coverage and the purchase limit. If all the data is correct for the transaction to proceed, the amount to be paid is blocked on your card by your account (card issuing) bank. The amount will be debited (deducted) from your account within a few days, depending on the account-keeping bank.
A distinction is made between Card Present and Card Not Present transactions. A Card Present transaction is made using a POS terminal device. After swiping the card and entering the PIN code, the terminal contacts the cardholder's bank via the authorisation center and, depending on the type of card and the card issuer, via the VISA or MasterCard network. This is where the validity and coverage check (authorisation) takes place. The POS terminal (or the vendor) receives the approval or rejection by going backwards along the former route. The customer signs the receipt. Card not Present is a transaction where the credit card is not physically present. This includes mail, telephone and electronic (internet) transactions where the customer (cardholder) initiates the transaction by entering card details on a secure (128-bit encrypted) payment page. You will receive an authorisation number for a successful transaction, which is the same as the number on the paper receipt.
Once the transaction is acknowledged by the bank, it is immediately followed by a reservation (blocking), since the actual debit requires the official data to be received first, which takes a few days and during which the amount purchased can be spent again. Therefore, with the reservation, the money purchased or withdrawn is isolated and placed under reservation. The reserved amount is added to the account balance, i.e. it earns interest, but cannot be spent again. Reservation ensures that transactions that are no longer covered can be rejected, even though the account balance would still allow this in theory.

Unsuccessful payments and tasks

Usually, a payment order is not accepted by the issuing bank (i.e. where the customer received the card); but in the case of a debit card, this may also be due to a telecommunication or IT error that prevents the authorisation request from reaching the issuing bank.

Card related error
  • The card cannot be used for online payments.
  • Use of the card online is prohibited by the account-holding bank.
  • The use of cards is prohibited.
  • The card details (card number, expiry date, signature strip code) were incorrectly entered.
  • The card has expired.
Invoice error
  • There is no collateral to complete the transaction.
  • The transaction amount exceeds the purchase limit of the card.
Connection error
  • The line was probably cut during the transaction. Please try again.
  • The transaction was unsuccessful due to a timeout. Please try again.
Technical error
  • If you have not returned to the vendor/service provider's site from the payment page, the transaction has failed.
  • If you return from the payment page, but the browser returns to the payment page via "back", "reload" or "refresh", your transaction will be automatically rejected for security reasons.
In all cases, a transaction ID is generated for the transaction, which we recommend you record. If the transaction is rejected by the bank during the payment attempt, please contact your account bank.
During the card verification process, the account-managing (card-issuing) bank notifies the collecting (acquiring) vendor's bank whether the transaction can be completed. The acquiring bank cannot disclose confidential information to a customer of another bank; only the bank that identifies the cardholder is entitled to do so.
This can happen if the card has been verified on the payment page but you have not returned to the vendor/service provider's website. In this case, the transaction is considered incomplete and therefore automatically unsuccessful. In this case, the amount will not be charged to your card and the booking will be cancelled.

Security

SSL is an abbreviation for Secure Sockets Layer, the accepted encryption method. Our bank has a 128-bit encryption key that protects the communication channel. A company called VeriSign enables CIB Bank to use the 128-bit key to provide SSL-based encryption. This encryption method is currently used in 90% of the world's electronic commerce. The browser program used by the customer uses SSL to encrypt the cardholder's data before it is sent, so that it is encrypted before it reaches CIB Bank and cannot be read by unauthorised people.
Absolutely yes. The payment process takes place over 128-bit encrypted communication channels, so it is completely secure. After the transaction you will be returned to the merchant's website, if the merchant's site is not encrypted, your browser will warn you that you have left the encrypted channel. This does not pose any risk to the security of your payment.
The Card Verification Code for MasterCard and the Card Verification Value for Visa is a numeric value encoded on the magnetic stripe of the card that can be used to verify the authenticity of a card. The so-called CVC2 code, which is the last three digits of the numerical sequence on the back of Mastercard/Maestro cards, must be entered when making purchases online.
Visa cardholders registered with Verified by Visa choose a password at the issuing bank to identify themselves when shopping online and to protect against unauthorised use of Visa cards. CIB Bank accepts cards issued under the Verified by Visa scheme.
Mastercard/Maestro cardholders registered with Mastercard SecureCode choose a password at the issuing bank to identify themselves when shopping online and to protect against unauthorised use of Mastercard/Maestro cards. CIB Bank accepts cards issued under the Mastercard SecureCode system.
In the case of MasterCard/Maestro cards, the unique code you may have received from your card issuing bank. If you have not received one, leave this field blank.