Secure Payment Service

Karlovačka banka enables all users of Visa cards more secure online purchases with the highest level of protection from unauthorized use through 3D Secure services.

Use of this service is free of charge and users do not need to have special software on their computers.

At first purchase on Internet site that supports this service, the user may activate 3D Secure service using mCard functionality (authorization by PIN or biometrics), which has to be defined in the Bank.


Internet retailer that supports 3D Secure service is distinctive by logo: Visa Secure.


In case of purchase via online outlets that do not have protection through 3D Secure Services, it is recommended to check the details before buying and to contact retails outlets directly for all questions.

Karlovačka banka assumes no responsibility for any damage caused by using cards on the Web retail outlets which do not support 3D Secure service or that do not have the Visa Secure logo.

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