Secure internet shopping

Enable online payments for card to be able to pay for purchases at online stores!

The online payments feature must be enabled for each card separately.

New! You can now check your payment card details directly in our app. Learn more

How to pay by card at online stores

Enter correct details when paying for the purchase

Card number
Cardholder’s full name
Card expiry date
Card’s Security Code code
For older cards could be CVC2/CVV/CVC

Confirm the purchase on the merchant’s website

Before confirming the purchase, check if the details and value of the purchase are stated accurately on the merchant’s page.

We recommend shopping at stores with websites bearing the Mastercard SecureCode and/or Verified by Visa logotypes which denote a secure purchase system.

If the merchant has joined the Mastercard SecureCode and/or Verified by Visa system, then for extra safety the purchase will need to be verified via Swedbank Internet Banking.

If the store’s website doesn’t have the Mastercard SecureCode and/or Verified by Visa logo, then additional verification via Swedbank Internet Banking is required. Card payments may fail at some online stores. In such cases information about other payment options can be provided to you only by the retailer.

Verify the purchase via Swedbank Internet Banking

If you have the security message set Check if the security message is correct and click up, check if it is correct and click „Continue”
Confirm the purchase with Smart ID, biometrics, PIN calculator, Mobile ID or ID card.
After confirming the purchase you will be redirected back to the merchant’s website

Why a payment may fail

Even greater security requirements under EU directive take effect from Jaunary 2021. Card payments may fail at some online stores. In such cases information about other payment options can be provided to you only by the retailer.

Internet shopping feature may be not enabled for the card
The account lacks sufficient funds
The card’s purchase transaction limit may be too low
The card has expired
It may be due to restrictions set by the merchant (e.g. cards of a specific type or cards issued in a specific country are not accepted)

We hereby advise you that we are carrying out the compulsory instructions of the Gaming Control Authority and are limiting operations that are conducted using credit/debit cards for payment, in relation to control of illegal remote gaming activity operators. A list of illegal remote gaming activity operators can be found on the Internet on this website: http://lpt.lrv.lt/lt/nelegalios-losimu-veiklos-vykdytojai.

A list of remote gaming activity operators who are licensed to carry out such activity can be found on the Internet on this website: Nuotoliniai lošimai | Lošimų priežiūros tarnyba prie Lietuvos Respublikos finansų ministerijos (lrv.lt).

Frequently asked questions

Why am I unable to enable internet shopping for the card?

Make sure the card is active in the section “My Cards”. If the card is not active, it cannot be registered for internet shopping.
If your card is linked to other person’s or company’s account, then you first need to contact the account holder or company’s representative in order to enable internet shopping. Internet shopping can be enabled for the card only by the card’s account holder or company’s representative.

In case of supplementary card, the cardholder needs to have an active Swedbank Internet Banking user account. If you don’t have one, contact the bank for further instructions.

What to do if I’ve enter my user ID or code incorrectly?

How to check if the online store has joined the secure internet shopping system Mastercard SecureCode and/or Verified by VISA?

If I disable the internet shopping feature for the card, will the merchant be able to charge transactions to my account?

If the card is registered with the merchant for recurring purchases and a separate contract for it exists between the customer and the merchant, the merchant will be able to charge for transactions.

For example, if a user profile has been created, card details have been supplied and a contract has been signed on iTunes, Apple and Google website, then purchases will be charged to the card according to the contract irrespective of whether or not the card is registered for internet shopping.

How to disable the internet shopping feature on the card?

If necessary, the internet shopping feature for the card can be disabled by clicking “Disable”.
In cases when the card is lost, we suggest temporarily suspending the card via Internet Banking or via the mobile app in the “Cards” section. If the card is found, it can be activated within 10 days via Internet Banking or by phone on +370 5 268 4444 or 1884.
If the card is stolen or falls into possession of another person, the card must be closed by calling +370 5 268 4444 or 1884.

What happens when card is renewed or replaced?

Which Internet Banking authentication tools may be used for confirming online purchases?

New additional security for online card purchases from 1 January 2021

In which cases can card internet purchases be declined?

Since January 1, merchants are required to provide secure internet shopping. Otherwise, the transaction can be declined. The requirements apply to all European merchants and card issuers. The changes are aimed at making online shopping even more secure for customers - reducing the fraud risks, ensuring the confidentiality of the user data.

Since some online stores may not be able to prepare properly, in order to avoid inconvenience for customers who pay with a card online, Lithuania has a transitional period of 3 months. This means that in January customer card transactions in online stores will not be rejected if they do not exceed 500 EUR, in February - 250 EUR, in March - 100 EUR. Exceeding these limits, and from April - regardless of the amount, online card purchase may fail if the online store is not ready to request payment with strong customer authentication.

What should I do if my purchase is declined?

If a transaction has been declined because the merchant is not compliant with the PSD2 and other legal requirements, the bank can’t help the transaction to go through successfully in any way. In such a case, only the retailer itself can provide information to customers about other payment options if there are any. We urge to always make sure that the internet shop and the retailer are safe!

To which countries do the PSD2 requirements apply?

The PSD2 legislation applies to all countries within the European Economic Area.

Will this requirement apply to online stores registered in the USA, China or UK?

No, the PSD2 requirements are only binding for the merchants registered in the EU and EEA. However, bear in mind that many large stores and shopping platforms have subsidiaries registered in the EU.

How can I check weather a transaction will be successful in the particular internet shop?

One of the options is to look for the Secure Shopping logotype on the merchant’s website.

However, keep in mind that a transaction can also be successful in situations when merchant’s website doesn’t have such a logotype. You can also check if the merchant provides other payment methods. We urge to always make sure that the internet shop and the retailer are safe!

What exactly are those new requirements?

The PSD2 directive expands the range of cases when internet (online) purchase must be strongly authenticated (using Smart-ID, biometrics, PIN generator, mobile-ID or ID-card) and at the same time sets exceptions when the strong authentication may be not applied.