Paying online
We’re buying more and more online. A couple of taps or clicks is all it takes for us to drop some new clothes, tickets or holidays into our online shopping basket and pay for them by card or with our smartphone. But how does paying online work in practice? And is it secure?
You can pay in these online stores
We offer a range of ways to pay through us online, so you'll be able to use at least one of your KBC Brussels payment cards in virtually every online store. This includes websites that display these logos:
Paying in online stores is safer
When paying for your purchase, you’ll have to prove that it's you by combining two of the following three characteristics:
- Something you know (e.g., your PIN)
- Something you own (e.g., your card reader or your smartphone)
- Something that’s yours (e.g., your fingerprint)
You can use your payment card not only for one-time purchases, but also to pay for subscriptions (such as Netflix or Spotify). The merchant requests your permission to pay the subscription based on your card details.
You see clearly in advance what you’re consenting to:
- The amount of the first payment
- The amount of the following payments
- The frequency of payment (e.g., monthly)
- The merchant you give your consent to (e.g., Netflix)
The details you see vary depending on the type of subscription.
Yes, strong customer authentication applies to all European players. If you want to buy something online from a European online store, you'll more and more frequently have to prove that it's you by combining two of the three characteristics.
In certain cases, it’s not mandatory to do this (for example, when it concerns low-value online payments).
Besides your payment card, what else do you need to pay online?
- KBC Brussels Mobile on your smartphone or tablet
or - KBC Brussels Touch on your desktop
How do you want to sign?
- Using itsme®: have your smartphone with the itsme® app to hand
- Using your card reader: have your card reader to hand
What do you do?
- Tap or click the Bancontact, Maestro or Mastercard logo
- Enter your card number
- Enter your card’s expiry date
- If you’re paying with Mastercard, enter the 3-digit Card Verification Code (CVC) that’s on the back of your payment card
- Follow the on-screen instructions and confirm the payment
How do I sign my payment?
You can sign your payment in a number of ways, depending on the device you’re using (smartphone, tablet or desktop).
What do you need to pay online by bank transfer?
- If you’re paying by QR code, you must have KBC Brussels Mobile on your smartphone or tablet
- If you’re signing using your card reader, have your card reader handy
- If you’re signing with KBC Brussels Online for Business, you must have it on your desktop
What do you do?
- Tap or click the KBC Brussels Payment Button logo
- What do you want to do?
- Pay by QR code
Scan the code with KBC Brussels Mobile, confirm your payment and return to the merchant’s website - Sign using your card reader
Insert your debit card into the card reader, follow the instructions and enter the code on the payment screen on your desktop or tablet - Sign using KBC Brussels Online for Business
Log in, confirm your payment and return to the merchant’s website
- Pay by QR code
Paying safely and securely online: some tips
Even though paying online is safe, remember to stay alert at all times.
- Keep your codes secret. They are the keys to unlocking your money.
- Our employees will never ask for your codes, not even in emergencies.
- Watch out for suspicious behaviour. KBC Brussels will always use the same way to authorise payment orders.
- Always check the amount and the account number.
- Make sure your desktop, smartphone and tablet are properly protected.
Good to know
The KBC Brussels Credit Card is a credit card issued by: KBC Bank NV, with registered office at Havenlaan 2, 1080 Brussels, Belgium. VAT BE 0462.920.226, RLP Brussels, FSMA 026 256 A.
The KBC Brussels Flex Budget facility is an open-ended credit facility linked to the KBC Brussels Credit Card and used as an additional means of drawing credit.
Lender and card issuer: KBC Bank NV. Subject to your card or credit application being approved by KBC Bank NV.
All insurance cover referred to is subject to Belgian law. This insurance cover is a class-16 product (financial loss insurance).
The Credit Card Insurance – Shopping Package is a group non-life insurance policy concluded by KBC Bank with KBC Insurance. You are only insured if you were holding an active credit card and were still signed up to the package without interruption from the time the purchase was made until the claim event occurred.
The insurance ends by operation of law when the contract between KBC Bank NV and the insurer is terminated.
Credit card holders can sign up to the Shopping Package at any time. Insurance cover starts on the first hour of the day following membership and lasts for a period of at least one year. After this period, you can withdraw from the insurance at any time by going through the digital process in KBC Brussels Mobile or by having its cancellation registered at a KBC Brussels branch.
The conditions of cover are available from any KBC Brussels branch or at www.kbc.be/en/creditcard. The applicable general conditions alone determine your right to compensation from the insurer. The complete list of exclusions can be found in the general conditions.
Your intermediary is the first point of contact for any complaints you may have. If no agreement can be reached, please contact KBC Brussels Complaints Management, Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. 016 43 25 94 or ombudsman@ombudsfin.be, https://www.ombudsfin.be/. For complaints about insurance, you can contact the Belgian insurance industry's ombudsman service: Ombudsman van de Verzekeringen, de Meeûssquare 35, 1000 Brussels, info@ombudsman-insurance.be, www.ombudsman-insurance.be. This does not affect your legal rights.
Visit our website or contact one of our insurance experts to request a quote.
