CMB card

[bisdu]

Can anyone explain what i do with this

Last week tried to use OH debit card on line to book tickets on Brttany Ferries - card refused. Although there was money there I assumed it was because it had been earmarked for a large direct debit (going out in a couple of days after salary had been paid in)

My card didn't work either.

Waited a couple of days (after money went in) - both cards refused again with this message

Sécurisation de vos achats sur Internet Transaction refusée
Votre carte réelle est protégée par le Blocage Internet
Veuillez utiliser un numéro Virtualis
Nous vous rappelons que votre carte réelle bénéficie du service Blocage Internet. Votre numéro de carte réelle ne peut donc pas être utilisé pour payer sur Internet (sauf sites SNCF et Hôtels).
Merci d'utiliser un numéro Virtualis pour effectuer votre achat.
Remarque : Vous concervez la possibilité d'utiliser votre numéro de carte réelle en vente à distance traditionnelle (par téléphone, par courrier.)

emailed my manager and she messaged back

The reason is that you can not give your real card number. You must use the VIRTUALIS system: it is a free service that allows you to have a virtual card number to protect your real card.
If you are unable to VIRTUALIS, it should go to see us.

Perhaps I've been on another planet but I've never heard of this - made literally dozens of bookings over the internet lately (including Brittany Ferries and never been asked to do this (whatever it is)

Can anyone explain please as its difficult to get into the bank right now.

thanks

[Ali]

Quick reply coz am in and out faster than a ...... today... but...

I bank with CA so not aware of VIRTUALIS either. But quick look at their web site tells me that its (as you already know) a virtual number, not your actual real card number, for purchases over the internet for added security. (Good idea in my view!) To 'create' your virtual number you need to log into the site with your ID and password that you would use with your CMB account on-line, the same ones.

Here's a link: www.cmb.fr/banque/assurance/credit-mutuel/web/c1_8404/carte-virtuelle-virtualis

Hope that helps a bit

Whizzing back out again (dechet this time .... nice lol) but will be back later if you think I can help further x

[bisdu]

Thanks Ali - had a look - started off straight frward - thought it would be a number to use each time instead of the card

this is what i got.......it asks for an amount and a duration so not sure what to make of it unless i have to d this everytime i make an online purchase - difficult if i'm away and using a non secure connection......or have i got this wrong?

GOLD DEBIT IMM
n° xxxx xx51
Créer un numéro
Numéros virtuels actifs
Achats


Montant
€


Durée de validité
mois
| 1 mois
24 mois |
Sur certains sites (Vogages-sncf.com, biletterie, réservation hotel, ...), il est nécessaire de présenter la carte ayant servi lors du paiement. Pour ce type d'achat, il faut utiliser s

[wibble]

I bank with CMB - when I got a new card I had to tell them and sign a form that you authorise your card for internet payment use otherwise its blocked - I know its a pain in the arris seems to be one of their security measures in place - I did this at the main branch in Carhaix

[bisdu]

At one time they bocked our card as they were suspicious that it wasn't us using it - We are quite friendly with our manager, so we rang her and she unblocked it on the strength of our phone conversation.
In the past 6 months i have used it to book 4 foriegn trips including 60 hotel bookings in the usa amongst other things - this is why I am bemused - we have been using this particular this card for 3 years

[Ali]

Sadly coz I don't bank with CMB I can't go through the process myself to be of any help to you.

Great info from Wibbs, if you're happy using your 'real' card number over the internet (as we all do) than, as Wibbs, a visit to your branch to sign the form may be the best thing to do.

Your lady said "If you are unable to VIRTUALIS, it should go to see us." .... if it sucks come and see us at the branch

From the info you copied/pasted above I would suggest that the 'amount' is an amount that you set in general, not to go over, a budget. The duration is, I feel, for the amount of time you want that amount to be used up by. Multiple transactions. (Does that make sense?)

"il est nécessaire de présenter la carte ayant servi lors du paiement." I would suggest means that you would need to use your full credit card (your real) number for certain outlets (those that can't accept the virtuelle stuff.

I know what I would do

[littlemouse]

the system works like this log in to your account click on virtualis state how much the transaction is and how long you want the transaction to be valid for.you could, say for a kindle account, make the transaction valid for a year which will allow multiple buys up to the amount that you have put on the card.Then a new card number is given just for that transaction.Only up to the amount stated can be taken out of your account,so in theory you cannot pay several times for the same article.

[JohnP]

It is as suggested, you need to generate a new number for each internet payment although I understand international payments are not included. I bought something on Amazon UK and payment went through, bought on Amazon fr and payment refused.You can opt to have your card unlocked but I believe you will not be protected in the case of a scam or fraud.

[bisdu]

Thanks everyone for all your input - I'm not sure i want to do this everytime - and most of my online transactions are international.

Looks like a trip to see the manager.

[Deleted]

Just back from UK and read this. You need a new virtualis card for each transaction.