All transactions carried out on, are done through the "Cyber Pac" virtual TPV from "la Caixa" providing the best guarantees of security, confidentiality and integrity for the participating agents: cardholders and their issuing entities, and merchants and their acquiring entities.

Secure Sockets Layer (SSL) is implemented in all communications, which prevents the information interception by third parties. Therefore, confidentiality is assured in all established communications during the transaction.

Credit card details are not registered in any database, but are sent directly to the TPV.

To provide greater security, the "Cyber Pac" payment gateway from "la Caixa" complies with Visa and Mastercard 3D Secure standards, requesting in each transaction, the cardholder authentication to the issuer of the card.

When paying with Visa or Mastercard, the customer is directed to a secure page of "la Caixa", where the following information about his card is requested.

• Card number (PAN)

• Date of Expiry

• CVV (Card Verification Code), which matches the last 3 digits of the number printed in italics on the back of the Visa or Mastercard.


Once the customer enters the payment details, the transaction is sent to the issuer of the card, which will validate the authentication of the transaction, in the way established with its customer.

The issuer of the card asks the customer for a code of a single use, which has been previously sent in a message to his mobile phone.

The issuing entity verifies the authenticity of ownership.

The customer is informed of the result of the operation.

The customer can click "Continue" to return to trade or "Print" to obtain proof of payment.

The "Cyber Pac" returns navigation control to once the payment process is completed.


What is 3D Secure?


3D Secure is the new payment form developed by Visa and Mastercard that makes possible the realization of safe purchases in Internet and authenticates the buyer like legitimate holder of the card that is using.

This form of payment only allows you to buy by entering a secret key that will receive in your mobile phone, which will authorize the purchase you are making at that precise moment. If you do not enter that key, you will not be able to complete the purchase with the card.

In this way, fraud in the network is impossible and guarantees total security in transactions through virtual TPVs.

You can distinguish if this Secure Electronic Commerce protocol is activated by the VISA "Verified by VISA" and Mastercard "Mastercard Secure Code" logos.