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 guarantees its clients secure card payments in Internet

    • „UBB 3-D Secure: Secure payment with card in Internet” protects UBB cardholders against fraudulent transactions in Internet 

    • UBB opens for payment in Internet its Visa Electron cards


In order to provide yet more security to its cardholders, United Bulgarian Bank (UBB) launches a new service to its clients – “UBB 3-D Secure” or „Secure payment with card in Internet”. With its new service for client authentication in Internet, the bank adds one more measure to its care for the security of the payments, made by its more than 1 000 000 clients, holding a card issued by UBB.  

Concurrently with the launch of the new service, UBB opens for Internet transactions its Visa Electron branded cards. 

“UBB 3-D Secure” is an implementation from UBB of the client authentication schemes “Verified by Visa” and “MasterCard SecureCode” of the international card organizations VISA and MasterCard.  

In this scheme, cardholder authentication is achieved through exchange of secret information (password or secure code), by which the cardholder can be uniquely identified by its card Issuer. The Issuer then confirms this identity to the merchant.

The benefit from the service for the bank’s cardholders is a possibility to authenticate during each transaction in Internet, leading to better fraud protection, provided by the following methods:

  • Payment to merchant registered for “Verified by Visa” / “MasterCard SecureCode” – protection from unauthorized transactions attempted with stolen card data. In this case the transaction cannot be completed without knowledge of the authentication password.
  •  Payment to merchant not registered for “Verified by Visa” / “MasterCard SecureCode” – chargeback rights for dispute of accepted unauthorized transactions with stolen card data. In this case the responsibility for the unauthorized payment is shifted to the merchant, and not to the cardholder.

The Authentication Page, in which the cardholder enters his password, is displayed on a different screen if both cardholder and merchant participate in the authentication service.

The registration for UBB 3-D Secure”is quite easy and fast – you don’t need to walk to a bank’s office, but just fill in an online form at the registration website for the service, accessible through the corporate website of UBB.

Registration for the service is available in both Bulgarian and English languages, and can be completed in less than 15 minutes. The bank also provides its clients with means for subsequent self-management of their own registration – password change, status change, changes review, etc.

„UBB 3-D Secure: Secure payment with card in Internet” is open for participation from all UBB card products – VISA, Visa Electron, MasterCard, and Maestro.