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Pay with your card

Here we have gathered everything you need to know about how to pay with the card.

In-store

  • What are contactless payments?

    Contactless means that the card is read when you hold it against the payment terminal instead of swiping or inserting the card. A card has this function if it has the symbol for contactless payments on it.

    (NFC) symbol

    When you see this symbol on a payment terminal, you don't need to insert the card - you can simply hold it up against the terminal to pay.

    If you shop for more than 400 SEK, you must to enter your PIN code, but if you shop for less, you can use contactless.

  • How do I make a contactless payment?

    All you have to do is hold the card up against the payment terminal.

    • When you make your purchase, place the card up against the payment terminal. When you hear a beep, the payment is complete.
    • You can make contactless purchases of up to 400 SEK without your code. But as an added security measure, you may sometimes need to enter your PIN even for smaller amounts.
    • If you have several cards in your wallet with the option of contactless payment, you need to take out the card and hold it separately up to the terminal when you pay.
  • How do I activate a contactless payment card?

    If the card has the contactless payment feature, it's automatically activated the first time the card is used for a purchase by chip and pin code at a payment terminal. The card can also be activated via My Eurocard.

    Cardholders who do not want the service are welcome to contact customer services.

  • What is a digital wallet?

    A digital wallet can be an app in your mobile phone, a smart watch, a tablet or a computer that keeps track of your cards when you shop. They act as a means of payment worldwide. However, in situations where you have to use your card at a payment terminal, the purchase won't work with mobile payment, for example, at petrol stations or parking machines.

    You can choose which of your cards you would prefer to pay with, and can place it at the top of your digital wallet. However, you can always choose which card you want to use as a means of payment. Examples of digital wallets are Samsung Pay (for in-store purchases) and Masterpass (for online purchases). Some stores may also have their own payment apps that you can connect to your Eurocard.

  • How does Samsung Pay work?

    Samsung Pay is a digital payment solution that you can connect to your Eurocard if you have a Samsung phone. You can then easily pay with your card via your phone.

Online

  • Can I block my card for online purchases?

    Yes, if you have one of our private cards, you can choose to block your card for online purchases by logging in to My Eurocard and managing your settings under Card Services / Purchase Settings. The possibility of completely blocking online purchases is not possible for business cards.

    Regardless of which card you have, we recommend that you keep the default setting: Safer trading online. Your card is then always open for purchases on websites with Mastercard Identity Check and for subscriptions such as Spotify and Netflix. Other purchases may be denied.

    Should any online purchase be denied, you will receive an sms with information on how to unblock the card to make the purchase. Make sure that you always have your mobile phone to hand and that we have your mobile number registered on My Eurocard. The cardwill then be opened up for online purchases for one hour so you can complete your purchase.

    As a customer, you are always protected against financial losses - whether you've chosen to open the card permanently or just for a while - as long as you've handled the card according to the terms and have not been negligent with the card.

  • What is Mastercard Identity Check?

    Mastercard Identity Check is a global security standard to which many online stores are associated. This means that you confirm your purchase online with BankID or with a one-time password via SMS.

    If you do not have BankID, contact your Internet bank to activate BankID. You can find more information at bankid.com.

    Log in to My Eurocard and check that you have the correct mobile phone number registered with us.

  • What is a CVC code?

    A CVC code is the three-digit code to the right of the signature strip on the back of your card. The CVC code is often required for safety reasons for online purchases.

  • I'm trying to shop online but the purchase isn't going through, why?

    We have introduced a new security barrier for online purchases, to protect you as a customer from fraud. Certain online stores may require that you actively open your card to make a purchase, and this could be the reason an online purchase is declined.

    For smooth future online payments, it is important that we have your mobile number. If you attempt to shop on a site that is not considered safe by us, you will receive an SMS. By replying to it, you open your card for online payments for one hour. You then need to make the purchase again.

    The next time you shop online, you can send the same SMS before you shop, opening the card for online shopping for one hour.

  • How can I shop securely online with my card?

    Use your Eurocard, and not a bank card attached to your bank account, when you shop. Then you can calmly review all transactions before you have to pay the invoice.

    Good things to keep in mind in order to shop securely online:

    • Never enter your card number, codes or personal information other than when you pay.
    • CVC is the three-digit code to the right of the signature strip on the back of the card. It is often requested for security reasons when paying online.
    • You can also log in to My Eurocard and choose whether your card should be open or closed for online purchases.
    • Many stores inform customers about their securitymeasures on their website.
    • If you are charged for an incorrect purchase, you can contact us to make a complaint.
  • How can I activate my card for online purchases within one hour?

    Provided that the option "Buy only in-store" is not selected on My Eurocard, the card will always be open for online purchases at stores that are affiliated with Mastercard Identity Check and for subscriptions (e.g. Spotify, Netflix etc.).

    At other online stores, you may be required to activate your card in order to shop. You can do this easily by replying to an sms, which is automatically sent to you if a purchase is stopped by us, or by activating cards for online purchases in advance by logging in to My Eurocard.

At an ATM

With your mobile phone

  • What is a digital wallet?

    A digital wallet can be an app in your mobile phone, a smart watch, a tablet or a computer that keeps track of your cards when you shop. They act as a means of payment worldwide. However, in situations where you have to use your card at a payment terminal, the purchase won't work with mobile payment, for example, at petrol stations or parking machines.

    You can choose which of your cards you would prefer to pay with, and can place it at the top of your digital wallet. However, you can always choose which card you want to use as a means of payment. Examples of digital wallets are Samsung Pay (for in-store purchases) and Masterpass (for online purchases). Some stores may also have their own payment apps that you can connect to your Eurocard.

  • How do I pay by card on my mobile phone?

    To be able to pay by card on your mobile phone, you just need to connect your Eurocard to one of the various payment apps / payment services that are available for download on the App Store or Google Play, for example.

    Download the app and follow the instructions to enter your Eurocard details.

    To make a card payment on a mobile phone:

    • Hold your mobile phone up against the payment terminal.
    • The amount is displayed on your mobile phone and you then confirm the purchase with your fingerprint or a pin code of your choice.
    • The purchase in invoiced as usual.
  • What do I do if I can't pay with a card on my mobile phone?

    If your card has not expired and the card is not blocked for any reason, then the problem is probably related to the store's payment terminal or the payment app.

    If the problem with paying by card on your mobile phone continues, contact us and we'll help you.

  • What is Fitbit Pay?

    Fitbit Pay is a payment service that makes it possible to make contactless payments in-store with smart training watches.

    To get started, you need to ensure that your mobile number is registered with Eurocard. You can do this easily in the Eurocard app, or via My Eurocard.

    Then download the Fitbit app from the App Store. In the app, choose your settings for your card payments.

    You can pay with all Eurocard cards. It's also possible to register both private and business cards in the app.

    Do you have more questions? Contact Fitbit for more information.

  • How safe is it to pay by card on your mobile phone?

    The new mobile payment services have built-in security technology. For example, Samsung Pay creates a unique digital card number for your mobile, a so-called token, which can only be used for payments with your particular mobile phone.

    When you then pay, you must identify yourself with Samsung Pay with your fingerprint or your PIN that you enter when you first register.

    For certain payments, you may also be asked to enter your Eurocard PIN.

    If you lose your mobile phone, you'll need to deactivate your Samsung Pay. You don't need to block your Eurocard.

    Should you lose your Eurocard, and need to order a new one, the card details in Samsung Pay will not be affected. In other words, you can pay with your mobile phone even before your new Eurocard has landed in your mailbox.

    Read more about card security

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My Eurocard

By logging into My Eurocard, you can see your balance, your purchases, all your invoices and your receipts.