Security and technology

Client safety forms the cornerstone of our digital payment solutions. We use the latest technologies and techniques like cross-channel authentication, step-up authentication for third-party wallets, and tokenised card details to ensure all transactions are secure.

What you need to know

Security

The point of sale device will prompt you to enter your card PIN for certain transactions while making a contactless payment. Your card PIN, device passcode and FNB App username and password should only be known to you.

Visa Token Service

Another way to provide security is via Visa Token Service (VTS) - it uses a unique digital identifier instead of an account number. These should only be known to you and never be shared with anyone.

Technology

For contactless payments, the underlying technologies in use include HCE (Host Card Emulation) and NFC (Near Field Communication); both follow the standards for effecting secure contactless payments.

3D Secure compliant

Checkout and Scan to Pay use the latest security standards for "card not present" forms of payment. The resulting transaction is fully 3D Secure compliant, ensuring the relevant protections for both the cardholder and merchant.

Download the FNB App to get started

Available on the App Store

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Get it on Google Play

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