Protect your online card purchases with smart authentication. This is a new security standard arising from European Union legislation and this Regulation shall apply from 26 September 2019. You will always need to have your mobile phone on hand for smart authentication.
You can authenticate online payments either through our mobile app or with an authorization code from a text message and the E-PIN, which you set beforehand in your Internet banking. You can set up your E-PIN from 20 September 2019 and how to do it you can find in the Frequently Asked Questions section below.
From 26 September 2019 the Online card payments will be authenticated using the Mastercard® Identity Check technology, which analyses every online payment made with your card and determines whether it should be authenticated or not.
When authentication is needed, you will do so easily through our mobile banking app, just as you are used to authenticating outgoing payments from your mobile phone – with a fingerprint, facial recognition or code sign-in.
If you don’t have our mobile banking app, you will be asked to enter an authorization code received in a text message and your E-PIN on the merchant’s website. You can set your E-PIN in Internet banking or the mobile banking app in the payment card section from 20 September 2019.
If you don’t want to rewrite the authorization codes from text messages and enter the E-PIN or other passwords, start using our mobile app – it’s easier and secure.
After 20 September 2019 all you have to do is update your mobile banking application, sign into the app like you usually do and have a preferred phone for payment confirmation set and make sure you allow notifications from the app. You can find out how to set your phone in the Frequently Asked Questions section below.
From 20 September you need to set up your internet banking:
If you don’t find an answer to your question here, call our Client Centre at 222 010 222.
How and where do I set my E-PIN in my mobile and Internet banking?
Set your E-PIN after you sign into your Internet banking in the Cards tab, or in the mobile banking app in your profile in the Cards tab.
How do I allow notifications from the Equa bank mobile app?
After you sign in, click on your profile on the bottom right bar, go to Settings in the upper left corner and in the Services section in Settings allow notifications, so that we can send you notifications through the mobile app.
How do I set my phone as the preferred phone for online payments?
In the mobile app under your profile in the Settings tab, in the Security section, click on Set your preferred phone and choose your mobile as the preferred phone for mobile online payments.
What’s the difference between a PIN and E-PIN?
A PIN is used to confirm payments when you withdraw money from an ATM and when you pay with your card at Points of Sale. An E-PIN is only for card payments online.
Can my PIN and E-PIN be the same?
Yes, these two codes are independent and can be identical.
If you have any further question about online payments, click here.