How to securely use your card

In this article we will discuss how not to become a victim of card fraud, and how not to lose control of your card.

Never share your card details

By knowing the details marked on the card, a fraudster can withdraw money from it.

On the front side of the card there is the card number, the card’s expiry date and the card owner’s name. On the reverse side – the card’s CVC2 code.


These details should be seen by your eyes only. Never share them with anybody.

Sometimes as a check an internet vendor will request a photograph of the front side of the card. It’s important to know that the first and last 4 digits of the card number is sufficient. The remaining information must be hidden. If the vendor requests a photograph of the reverse side of the card in addition to this then you must cease working with them immediately.

To credit funds the vendor needs only the card number. If you are asked for the validity period and the CVC2 code, then your money will almost certainly be taken.

Does a close friend or relative want to borrow your card to make a purchase? Take care of your loved ones and your card – pay for the purchase yourself. Your card details will be kept secure, and you will be aware of your purchases.

Never share your transaction details

The ePayments card is equipped with internet payment confirmation technology by using a one-time password. This technology is called Mastercard SecureCode® and is an additional security measure. Entering such a password is the final payment step on the internet.

We send the one-time password in an SMS message, which looks like this:


Receiving such a message without having made a payment points to the fact that a fraudster is already taking money from your card. Whilst you are figuring out the reason for receiving the SMS, you’ll receive a phone call and under the pretext of crediting funds will ask you to provide the code received by SMS. For extra credibility they may pretend to be the ePayments support team.

ePayments will never request your card details nor your transaction confirmation code. If you have received an SMS with a confirmation code of a transaction which you did not carry out, or you have received a “phone call”- hang up, block the card in your personal area and contact us.

Bad website

Internet fraudsters use sophisticated methods to deceive people.  One-day websites is one such method. On such a website you will find “unbelievably cheap” offers with the “most favourable conditions”. You’ll pay for the goods and will wait for their delivery, but there will not be a delivery. By the time alarm bells start to ring the pseudo-vendor’s site will no longer exist.

Before making a payment on the website – search for information about it. Read reviews, thoroughly read the terms of use of the service and find out how long the internet vendor has been on the market.

A new online store with only positive reviews, as well as the sale of a genuine iPhone 7 for £200 should alarm you.

How your card may have a clone appear

Seeing the card’s details is the quickest and easiest way to take money from it.

Manufacturing counterfeit cards requires more effort, but is no less popular with fraudsters. They clone the magnetic strip and manufacture a duplicate of the card, after which they withdraw money at ATMs. To copy this they use special devices- skimmers which they install at ATMs.

Fraudsters won’t stand a chance if you follow these simple rules:

Only use ATMs located within bank branches. The chance of skimmers being installed in them is extremely low.

If you use an ATM outside of a bank – check the PIN pad (the keyboard where you enter the PIN code) to see whether there are any cover plates to steal your PIN code. When entering your pin code – cover the PIN pad with your hand.

A dishonest store employee can also copy the magnetic strip.

Is a waiter in a restaurant asking you to give him your card as the terminal is somewhere by the bar? Do not hand over the card. Ask the waiter to bring the terminal to your table, or follow the waiter to the terminal. Cover the PIN pad with your hand when you enter the PIN code.

Memorise your PIN code. It’s quite simple to write it down on a scrap of paper or on the card. However, it’s easy to lose the scrap of paper, and sometimes it can be lost together with the card. Such a find will make it easy for any fraudster to take your money. 

Use the card securely

  • the card is only in your possession and the card details are seen by your eyes only
  • the PIN code is not kept with the card, and only you know it
  • you can provide the vendor with the full card number to credit funds
  • the card’s expiry date, the CVC value combined with the full number is enough to withdraw funds, therefore never share the expiry date or the CVC2 under the pretext of “crediting” funds
  • the SMS confirmation code is used exclusively by you to complete your purchases
  • to withdraw cash use ATMs located within bank branches
  • cover the keypad when you enter your PIN code
  • avoid making purchases on unverified websites
  • don’t keep a photograph of your card on your telephone
  • block your card and contact us at once if you suspect fraud

What should concern you

  • You’ve lost the card or the card has been stolen
  • The card has not been in your control
  • You have handed over the card or shared the card’s details with third parties
  • Somebody asks to borrow your card to make a payment
  • Somebody has contacted you and asked you to provide your card number, expiry date and CVC2 or your SMS confirmation code
  • You received a confirmation code for a transaction you did not make
  • You received a notification for a transaction you did not make

What should I do?

Block your card in the «Cards and Accounts» menu in your personal area and contact us via the ticket system of by e-mail: We will help you.