How is a payment validated?

For a payment to be accepted, several conditions must be met:

• The card must be active

• The account must have sufficient funds

• The necessary payment options must be enabled

Depending on the type of payment:

Online payment (e-commerce):

A 3DS authentication will be required if the merchant has enabled it.
You can validate this via your HERO dashboard (mobile browser or desktop).

Payment with a physical card:

You’ll need to enter the correct PIN code.

Contactless payment (NFC):

Make sure your first transaction was made using a PIN to activate contactless payments.