Common use of Payment Instruction by the Cardholder Clause in Contracts

Payment Instruction by the Cardholder. 3.1. Before paying with the Card, the Cardholder must check that the payment amount is correct. If a signature is required, the signature on the transaction form must match that on the back of the Card and on the original Card application. 3.2. By physically presenting the Card or providing the Card details to an Accepting Partner, and by verifying the transaction with a signature or PIN, or in the case of a ViS/MCID transaction with the “complete Control App” or the Secure Code plus a mobileTAN (a 6-digit single-use code sent to the Cardholder’s mobile telephone), as required, the Cardholder irrevocably instructs card complete to pay the Accepting Partner the amount owed. This instruction to card complete is immediately binding. 3.3. The complete Control App, which can be downloaded to a Cardholder’s smartphone, can be used in addition to the Complete Control Online Service Portal available at xxx.xxxxxxxxxxxxxxxxxxx.xxx. 3.4. ViS/MCID and PIN transactions fulfil the criterion of strong customer authentication because they require at least two of three authenticating elements from a Cardholder, namely possession (card or smartphone), knowledge (PIN or Secure Code) and physical characteristic (fingerprint or facial features). If card complete fails to require strong authentication from the Cardholder, then card complete is liable for any losses resulting from unauthorised transactions or fraudulent use of the Card (see Item 6.3.).