Pay with a card online in a secure manner

Activate 3D Secure for enabling secure card payments on the Internet.

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Home3D Secure

3D Secure explained

3D Secure is a service, involving a two-factor authentication mode for online payments with a debit or credit card, for additional protection purposes.

This means that before finalizing your online purchase you will be required to provide additional confirmation for the payment made with your debit/credit card, depending on the method, used by you: via biometric data of yours or a combination of a 3D static secure code (known only to you) and a dynamic password (which you will receive for every online payment in an SMS).

How to activate 3D Secure?

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Option 1

Using UBB Mobile

Biometric features or PIN code; ePIN for transferred cards

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Option 2

Using UBB Online

3D static secure code
and dynamic password

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Option 3

Without online banking

3D static secure code
and dynamic password

 

Option 1

How to activate 3D Secure through UBB Mobile

UBB Mobile enables easy, fast and secure confirmation of payments with biometric features or a PIN Code.

Activate 3D Secure via the mobile app for your maximum security and convenience upon confirming card payments.

In UBB Mobile you can select your preferred additional confirmation method - through a fingerprint or face recognition (depending on the device, on which you use UBB Mobile), as well as create a static 3D Secure PIN code, which you can use as a backup option in case of need.

By using biometric features or a PIN code you will receive a PUSH notification, which will re-direct you to UBB Mobile to confirm the payment.

View more about UBB Mobile →

New: ePIN in UBB Mobile for clients of the former KBC Bank Bulgaria

Former KBC Bank Bulgaria Identifier - Asterisk

How to activate 3D Secure in UBB Mobile

01

Go to "More" menu and select " Authentication with a 3D Secure"

02

You need to confirm the activation. Important: Any previous activations will be deleted

03

You will receive an SMS, containing a 4-digit one-time code. Enter the received code in the respective screen of the UBB Mobile app. Do not share this code with anyone!

04

Select a manner for additional confirmation - through a fingerprint or face recognition

05

You will receive a confirmation for the registration of your cards (present and future ones) for authentication of a static 3D Secure code via a biometric feature.

06

Should you subsequently wish to use another method of confirming a payment, please, select the „Authentication Method“ button in "More“ section

07

Choose your preferred method. Important - thus you will change the app login manner. Use of biometric features is being recommended for maximum security purposes.

Go to UBB Mobile
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Go to UBB Mobile

Option 2

How to create a static 3D Secure code through UBB Online

Another option for secure online shopping is to have the payment confirmed via a static 3D Secure Code in combination with a dynamic password, which you will be receiving every time in an SMS on your phone.

In UBB Online you can create a static 3D Secure Code, as the initial registration is easy and takes just a few minutes. You need to generate a static 3D Secure Code for every card, which you would like to pay online with. And should you forget your static 3D Secure Code, you can always generate a new static 3D Secure Code, by following the same steps.

How to create a static 3D Secure Code via UBB Online

01

Login into UBB Online and choose "Create a static 3D Secure Code" from "Cards” menu.

02

From the “Card Number” drop-down menu you should select the card, for which you wish to create a static 3D Secure Code and you should confirm it with the “Choose” button.

03

Create a static 3D Secure Code, by observing the described requirements, re-enter it and click on „Confirm“

04

Done! You have successfully created a static 3D Secure Code.

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Go to UBB Online
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Go to UBB Online

Option 3

Create a static 3D Secure Code, in case you do not use the online banking functionality

Even if you do not use UBB Mobile and/or UBB Online, you can still create a static 3D Secure Code and pay online in a secure manner. Make a short registration of your card, by clicking on the "Registration” button further below.

You need to enter your temporary static password, which you should have received in advance in an SMS, after obtaining your card from a UBB branch. You can reach our Client Contact Centre, if the 30-day validity period of your temporary static password has expired or in case you have forgotten it.

How to create a static 3D secure code, in case you do not use online banking

01

Having obtained your newly issued card, you will receive an initial static password in an SMS. This password will be valid over a 30-day period.

02

On the Bank’s website you should choose "Online Payment Card Registration" and enter the16-digit number of your card.

03

You will receive a new SMS with a dynamic password, which you should enter in the respective field. In the "Static 3D-Secure Password" field you should enter the initial static password.

04

Then create and re-enter a new permanent static password, which you will use for payment confirmation purposes. Choose a language, in which the payment confirmation page will be visualized and set a personal message.

05

That’s it! You have successfully created a static 3D Secure Code.

Registration
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Registration

See how to confirm an online payment with a 3D Secure code, after having it activated

Protect your personal information

Important: The static 3D Secure Code and the dynamic Secure Code stand personalized security feature of your payment card and you as a Cardholder have all the obligations for keeping them secret, by using them only and solely personally and non-disclosing them to third persons.

Detailed information about the Strong Customer Authentication upon online payments is available in UBB AD General Terms of United Bulgarian Bank AD on Issuance and Use of Payment Debit and Credit Cards.

We would like to remind you that UBB does not send messages, urging you to confirm and provide online personal information, such as your passwords, activation codes, card data and others.

For individual customers of the former KBC Bank Bulgaria

You have two options for confirming online purchases with a card, issued by the former KBC Bank Bulgaria - via PIN or biometrics in your digital wallet DigiPay (for Android) or create ePIN for your cards directly via UBB Mobile.

How to create ePIN via UBB Mobile?

  1. From the home page of UBB Mobile, select a Transferred card (with a sign *)
  2. You will see details about the card, below which there is an "ePIN" option
  3. Create and confirm your ePIN in order to confirm online payments with your card
  4. Your ePIN was created successfully

 

Important: You may create different ePINs for each of your cards. If you already have DigiPay, it is necessary to deactivate it, in order to create ePIN via UBB Mobile.

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Frequently asked questions

I have forgotten my static 3D Secure Code, what should I do?

If you use UBB Online, you can create a new static 3D Secure code in the above described manner (method title or relevant item). If you do not use UBB Online, you need to call UBB’s Client Contact Centre and obtain a temporary password, through which you can create a new static 3D Secure code in the above described manner (method title or relevant item).

May I refuse the static 3D Secure Code and use only the dynamic 3D Secure Code, received in an SMS?

No, the application of two independent elements for cardholder authentication upon payment transactions with cards on the Internet at merchants, supporting the Visa Secure and Mastercard Identity Check protocols, is a regulatory requirement.

Upon the entry of a dynamic 3D Code and/or the registration password for secure online payments, received in an SMS, an error message is being generated What should I do?

Please, try again. Check whether the information in the respective fields has been filled out correctly. Follow the steps in the instructions above.

Within what period after receipt of the SMS with the card registration password may I create my static 3D Secure Code?

The card registration password, received via an SMS, will be active within 30 days of its receipt. After this period you need to refer to UBB Contact Centre at the following telephone number: 0700 17 17, *7171 (for mobile phones), in order to have a new password sent to you, valid within the next 24 hours of its generation.

I want to change the already created by me static 3D Secure Code. What should I do?

You can change an already created static 3D Secure code by following the above-described steps, depending on whether you use UBB Mobile or UBB Online.

How much will it cost me to use a static 3D Secure Code?

For using a static 3D Secure Code there are no fees whatsoever charged by UBB.

May I activate payment confirmation with a static 3D Secure Code simultaneously for all my cards?

The activation of payment confirmation with a static 3D Secure Code depends on the selected payment confirmation channel.

Activation via UBB Mobile - if you activate a static 3D Secure Code via UBB Mobile, the method you have chosen (PIN or biometric data) will be valid for all cards.

Activation via UBB Online or in case you do not use mobile or online banking functionality - should you use those activation channels, you should create a static password for every card, which you would like to have a static 3D Secure Code activated.

Can I use various methods for confirming different payments?

Yes, you can if you have activated both methods - "Static and Dynamic Passwords" online and biometric data /PIN Code via UBB Mobile.

I have an active card by UBB, however I have not received an SMS with a card registration password and I cannot create a static 3D Secure Code. What should I do?

In order to receive an SMS, you should have provided to UBB a recent mobile phone number. You can provide a mobile phone number at a convenient for you branch of UBB.