Card Payments

Why has my VISA card payment been declined?

If your VISA card payment has been declined, please check the following first: Have you already activated the card after receiving it? Is the card clo...

My payment has been stopped. Why do I receive a push message and what should I do?

In the case of suspicious or unusual payments, the system triggers an alarm for your security and the payment is stopped.  You will then receive a push ...

I have received a chargeback, why don't I see it in my Penta business account yet?

If you have received a full or partial refund for a VISA card payment, you will be notified immediately.  Please note that it may take one banking day f...

What is 3D Secure?

The 3D Secure (3-domain secure) is a security protocol which is designed to reduce card fraud, specifically for e-commerce. Merchants send a payment request...

Why do I need to verify my card payment?

This authentication step requires you to authorize online card payments either via a mobileTAN or a In app-notification through your Penta app, before they ...

How can I verify my card payment?

Penta cards issued by solarisBank require an authentication for transactions via the following two methods: In-app notification: biometric factor e.g. u...

How does the biometric factor inside a mobile banking app via in-app notifications work?

You pay with your card on an online merchant website. If you choose the in-app notification method, you will receive a notification to your coupled device. ...

How does the SMS OTP work?

If you pay with your card on an online merchant and choose this method, a unique 6-digit mobileTAN (also SMS one-time password) is sent to you via SMS for e...

My card was declined without request of the 3DS secure procedure. Why did this happen?

Strong Customer Authentication (SCA) is a requirement of PSD2, which asks businesses to use at least two authentication elements to verify electronic paymen...

I tried to pay with my card and I didn’t get the TAN. Why did this happen?

Sometimes it can take a few minutes until the mobileTAN via SMS arrives. The reason why the TAN does not reach you can be the following: The device ...