UNITED BULGARIAN BANK API EULA

Please read this License Agreement ("Agreement") carefully before clicking the "I Accept the Terms & Conditions" button.

By clicking the "I Accept the Terms & Conditions" button, you are agreeing to be bound by the terms and conditions of this Agreement to use the APIs in the Sandbox.

If you do not agree to the terms of this Agreement, do not click on the "I Accept the Terms & Conditions" button and do not add the API to the list of APIs your application will access.

1. Definitions

When used in this Agreement with the initial letters capitalized, in addition to the terms defined elsewhere in this Agreement, the following terms have the following meanings:

∙ API means the UNITED BULGARIAN BANK’S (UBB) application programming interface;

∙ Intellectual Property Rights means all patents, copyright and related rights, trademarks, logo, service marks, trade, design rights, business and domain names, rights in trade dress or get-up, rights in goodwill or to sue for passing off, rights in designs, database rights, rights in confidential information (including know-how and trade secrets) and any other intellectual property rights, in each case whether registered or unregistered and including all applications for, and renewals or extensions of, such rights, and all similar or equivalent rights or forms of protection in any part of the world.

∙ Sandbox is the software testing environment that enables the isolated execution of software or programs for independent evaluation, monitoring or testing. 

2. License

UBB grants you a limited,  non-transferable, non-exclusive, as-is, non sub licensable license

to use the API for the sole purpose of developing and testing your applications.

3. Restrictions

You shall not- 

∙ change or delete any copyright, trademark, tradename or other proprietary notices, legends, symbols, or labels appearing on or in the API;

∙ Disclose, share  or divulge any of the API specifications to any third party;

∙ Represent in any way that your application is approved, recommended or endorsed by us;

∙ Disable, or by pass any security protocols or measures or technical limitations of the APIs; 

∙ Modify, decompile, reverse engineer or otherwise alter the APIs;

∙ Participate or engage in any activity which restricts, hinders, impedes, interrupts or harms the API in any way or permits unauthorised access to the API;

∙ Use the API and the content thereon for any purpose other than those expressly permitted by these Terms of Use

UBB reserves the right to modify, suspend or discontinue, temporarily or permanently, the APIs, with or without notice and without liability to you.

4. Intellectual Property

Intellectual Property Rights 

4.1 We retain all Intellectual Property Rights with respect to UBB API’s,  including content and documentation and these may not be copied, transmitted or reproduced without our  prior consent. All Intellectual Property Rights and other rights in connection with the Portal  (including without limitation, information, graphics, software, text, sounds, images, trade marks, service marks, trade names and logos) are vested in us or our licensors.   You agree that you shall not obtain any Intellectual Property Rights, title or interest in the Portal other than in accordance with these Terms of Use.

4.2  You undertake not to do anything which would bring UBB or any of it trademarks, trade names, logos, or branding into disrepute or harm the reputation and goodwill of UBB.

4.3 You acknowledge and agree that we may independently develop or create applications, content or other services or products that may be similar to and/or compete with your applications and nothing in these Terms of Use shall prevent us from exploiting any such commercial opportunities.

5. Term and Termination

This Agreement shall remain in effect until terminated by you or UBB. 

UBB may, in its sole discretion, at any time and for any or no reason, suspend or terminate this Agreement with or without prior notice.

This Agreement will terminate immediately, without prior notice from UBB, in the event that you fail to comply with any provision of this Agreement. You may also terminate this Agreement by deleting the Application on our API.

Upon termination of this Agreement, you shall cease all use of the APIs on the Sandbox.

6. Severability

If any provision of this Agreement is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

7. Amendments to this Agreement

UBB reserves the right, at its sole discretion, to modify or replace this Agreement at any time. What constitutes a material change will be determined at our sole discretion.

8. Applicable law and jurisdiction

The provisions of the Bulgarian law shall apply to this Agreement. Disputes betwen UBB and you related to, or arising from this Agreement shall, unless settled amicably between UBB and you, be brought for resolution before the competent Bulgarian court in Sofia, Bulgaria.

Business Cards

Debit MasterCard Business

Debit MasterCard Business

  • Debit MasterCard Business is a higher-class debit card, covering all standard payment and cash withdrawal methods, as well as the new contactless payment ones.
  • The card allows easy, fast and secure payments when shopping in various commercial sites, offering contactless payment capabilities.
  • It is the most convenient means of payment in both this country and abroad, as well as via the Internet.
  • Debit MasterCard Business could be used for hotel bookings, car rentals, airplane ticket purchases, as well as other transactions.

 More about the contactless technology

  • Contactless technology enables payments within the country by only approaching the card to a contactless POS device. Thus the card is always in your possession and your security - guaranteed.
  • Contactless payments for goods and services in Bulgaria valued up to BGN 25 do not require confirmation by PIN code.

 Contactless payments – how and where?

  • Contactless payments can be made with cards, bearing the symbol , appearing also on the new UBB Debit MasterCard Business.
  • Contactless payments of small and larger amounts can be made at POS terminals in Bulgaria and abroad, bearing any of the following symbols for accepting this type of transactions:

  • All the client has to do is inform the merchant that he/she will make a contactless payment and then approach and hold the card close to the device, as designated (approx. 2-3 cm.) until the terminal confirms the payment via a sound and light signal. A PIN code should be entered, if required by the terminal.
  • POS-terminals, non-supporting contactless technology, enable standard payments – via reading chip or magnetic stripe data, upon inserting the card in the card reader.

 Advantages 

  • No fee for payment of goods and services at merchants in Bulgaria or abroad.
  • No fee for card issuance.
  • Option to deposit cash at designated UBB ATMs.
  • Option for payment of utility bills with the card.
  • Free-of-charge SMS notifications for each transaction over BGN 100.
  • Option for additional free-of-charge protection of payments via Internet by activating the UBB 3-D Secure service: “Secure Card Payments in the Internet”.

Tariff terms may be viewed here.

In case of a lost or stolen card, you can immediately block it by calling the 24/7 hotline of UBB’s Call Center at +359 (0)700 11717 or at *7171 (for calls from mobile phones in Bulgaria).

Visa Business

VISA Business Contactless Card

Benefits

Convenience and control

  • With a business card from United Bulgarian Bank you have access to funds in your company’s current account 24/7/365.
  • You do not need to carry cash and your card account balance will bear interest as per the Bank’s terms, applicable to company current accounts in the respective currency.
  • You can pay electronically for goods and services (at POS terminal devices and via Internet) and withdraw cash (from ATM terminal devices or POS in the Bank’s branches or at other banks), both on this country’s territory, as well as abroad. The card is also compatible with the latest methods for contactless payment.
  • Using a business card enables you to effectively separate your personal income and expenses from you company ones, while paying with the card to your suppliers.
  • To that same account you can order additional cards for your company’s employees with predetermined individual utilization limits.
  • You will receive detailed monthly statements for the card account transactions.
  • Along with Visa Business you obtain a free-of-charge international comprehensive travel insurance, providing you with coverage of damages, illness or other inconveniences while abroad. Upon occurrence of an insured event, please call the 24-hour hotline at +359 2 819 71 40. More information regarding risk coverage and the general terms and conditions of your insurance policy can be found here.

More about the contactless technology

  • Contactless technology enables payments within the country by only approaching the card to a contactless POS device. Thus the card is always in your possession and your security - guaranteed.
  • Contactless payments for goods and services in Bulgaria valued up to BGN 25 do not require confirmation by PIN code.

Contactless payments – how and where?

  • Contactless payments can be made with cards, bearing the symbol , appearing also on the new UBB Debit MasterCard Business.
  • Contactless payments of small and larger amounts can be made at POS terminals in Bulgaria and abroad, bearing any of the following symbols for accepting this type of transactions:

  • All the client has to do is inform the merchant that he/she will make a contactless payment and then approach and hold the card close to the device, as designated (approx. 2-3 cm.) until the terminal confirms the payment via a sound and light signal. A PIN code should be entered, if required by the terminal.
  • POS-terminals, non-supporting contactless technology, enable standard payments – via reading chip or magnetic stripe data, upon inserting the card in the card reader.

Security

  • The card is a personalized one and its front side is embossed with the company and cardholder’s names.
  • By using a chip as data storage medium the card has been given maximum degree of protection against forgery, as well as during payment.
  • Upon a lost or a stolen card, you can block it immediately by calling the 24/7 hotline of United Bulgarian Bank’s Card Center.
  • In view of ensuring your security the Bank will determine card utilization limits.
  • You are provided with the option to receive SMS notifications of each card account movement exceeding BGN 100.

Transactions

What transactions can I perform with the card at АТМs (automated teller machines)?

  • Cash withdrawal in the local currency of the country, where the transaction is being performed
  • Option to deposit cash a certain ATMs of United Bulgarian Bank
  • PIN code change (only at ATMs of United Bulgarian Bank)

What transactions can I perform with the card at POS terminals?

  • Payment of goods and services at merchants
  • Cash withdrawal at a bank’s teller desk from a POS terminal

And more…

  • Payment of goods and services in the Internet. For better protection purposes United Bulgarian Bank offers you free-of-charge online registration for the schemes of client authentication in the Internet – Verified by Visa and MasterCard SecureCode (learn more here)

Tariff terms may be viewed here.

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