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1. |
What
is a payment gateway? |
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A Payment Gateway
is a system that passes Credit Card data, authorization
requests, and authorization responses over the
Internet using encryption technology.
The secure Citibank Payment Gateway allows
the Cardmember to conduct secure transactions
on the Internet using the industry standard
Secure Socket Layer (SSL) technology, that enables
128-bit encryption of data transferred. |
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2. |
What is SSL encryption? |
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SSL stands for
Secure Socket Layer. This technology is designed
to encrypt the text data sent from a website and
then decrypt the information on the other side,
i.e., the Citibank Processing Network.
The level of encryption is 128-bit, which is
practically unbreakable.
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3. |
What kinds of
Cards can be used on the Citibank Payment Gateway? |
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All
major Credit Cards (except American Express Card),
Diners Club Cards and Citibank ATM/Debit Cards
can be used on the Citibank Payment Gateway. |
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4. |
What's the difference
between a Credit Card and a Debit Card? |
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A Credit Card
allows a consumer to access funds in a credit
line set aside for that user. When the purchase
is made, and settlement occurs, funds are drawn
from the credit line to make the payment. The
outstanding reflects in the monthly statement
of the Cardmember.
On the other hand, a Debit Card is a payment
card whose funds are withdrawn directly from
the cardholder's banking account. While transacting
online, the cardholder will be required to enter
the HPIN to authorize payment.
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5. |
Is there a transaction
fee? If so, how much? |
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A nominal fee
is charged as determined by an agreement between
the Merchant Establishments and Citibank from
time to time. |
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6. |
What is CVV number
and HPIN? |
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Citibank has
pioneered the concept of HPIN (Internet password).
An HPIN is the secure Internet Password that identifies
if the actual owner of the Card is using the Citibank
ATM/Debit Card.
The CVV number refers to the last 3 digits
of the account panel on your Credit Card. Keying
in of the CVV number ensures that the Card is
in possession of the person conducting the online
transaction.
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7. |
How can I transact
online? |
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Online transactions
are easy to carry out. Just follow the steps below: |
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When
you wish to buy / avail of a product or
service, click on “BUY” to add
it to the Shopping Cart. This places the
product in an electronic Shopping Cart.
However, placing items in your Shopping
Cart is not a commitment to buy. |
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Repeat
the process to add more products to the
Shopping Cart. |
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Click
on “VIEW CART” to see the details
(selected products and services) of your
Shopping Cart. You can change quantities
or remove items while viewing your Cart.
You can also continue shopping by clicking
on any other item that you wish to buy. |
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When
you have completed shopping, click on “CHECK
OUT” and you will be required to provide
shipping details. |
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On
providing the shipping details, your total
charges appear on the billing panel above
the shipping details panel. |
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On
submitting the shipping details you are
taken to the secure Citibank Payment Gateway. |
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On
the Citibank Payment Gateway, select your
Card type, Citibank Credit Card, Citibank
ATM / Debit Card or Other Card. |
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Provide
your Card details and CVV No. (in case of
Credit Cards) or the HPIN (in case of Citibank
Debit Card). |
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On
clicking SUBMIT, these details are sent
to Citibank’s server for authorization
and authentication. |
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Upon
approval your transaction is complete. |
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8. |
How can I change
quantities or remove items from my Shopping Cart? |
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If you wish
to buy more than one item of the same kind, all
you have to do is change the number in the quantity
box. If you wish to remove an item from your Shopping
Cart, change the quantity to “0” and
click on “UPDATE”. The item is removed
and your subtotal is automatically recalculated. |
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9. |
When will my Credit
Card be charged for my order? |
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Credit Cards
are charged by the end of the business day of
purchase. |
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10. |
I'm
sure I entered my Billing Address correctly, and
my Credit Card is valid. Why can't I place my
order? |
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This is possible
when one of the fields entered for authentication
does not match. |
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CVV |
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Card number
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Expiry
Date |
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We recommend
that you try re-entering the values correctly
again. Also ensure that you have sufficient funds
to cover the payment on that transaction. |
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11. |
When can I expect
my order? |
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Your order will
be delivered to your shipping address normally
within 7 working days or as specified by the Merchant
Establishment on the website. |
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