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.

UBB 3D Secure: Secure card payment in Internet

We invest in your security! We are pleased to present to you our service for secure card payments in the Internet

About UBB 3D Secure

UBB 3-D Secure is a cardholder authentication service for online Internet transactions that UBB offers in conjunction with the International Card Organizations VISA and MasterCard.

With the branded services “Verified by Visa” and “MasterCard SecureCode” we provide additional security to the online purchase process, making Internet experience safer and protecting your cardholder identity.

This is an authentication scheme through which each party in the transaction process is authenticated to the other party. Cardholder identification is achieved through the exchange of a secret password that identifies a cardholder to the Issuer of his/her card. The Issuer then confirms this identity to the merchant.

The International Card Organizations stand in between the transaction parties, providing liaison and registration services for the participants.

In this way, the cardholder knows he/she is transacting at a bona-fide merchant, and the merchant knows that the real cardholder is paying with the card.

Advantages of UBB 3D Secure service

UBB 3-D Secure protects you from identity theft and card frauds.

Enrollment in the 3-D secure authentication schemes gives you not only security but also more chargeback rights. If the Internet merchant does not participate in a 3-D Secure authentication scheme, it will not be able to authenticate you, hence, cannot prove that it was really you making the transaction.

This will safeguard you from malicious attempts for ascribing card transactions on your account.

How to enroll for UBB 3D Secure

You have a VISA / Visa Electron or MasterCard / Maestro card issued by UBB?

United Bulgarian Bank automatically registers the cards of its clients in the UBB 3-D Secure authentication scheme. The service is utterly free-of-charge!

Should you need more detailed information, as well as for the purpose of administering your registration, please visit the web pages of the 3-D Secure-branded schemes of the International Card Organizations -“Verified by Visa”  of VISA and “Verified by Visa” of Mastercard.
The additional Registration Management service involves card activation functionality, in case the card has been locked due to exceeding the number of password entry attempts.

Upon questions or need of assistance for your registration or use of the Verified by Visa and MasterCard SecureCode, you may refer to the Client Contact Centre of United Bulgarian Bank at its 24/7 hotline 0700 11717.




Or give us a call
0700 117 17
Short number for local calls by Bulgarian mobile network subscribers
+3592 483 1717
For local and international calls
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