• Card payments at POS terminals in the Republic of Moldova
• Online card transactions (e‑commerce)
• Login and operations in ProBanking / Mobile Banking

• Something you are – biometric identification (fingerprint, facial recognition)
• Something you have – a mobile device or another authentication tool
• Something you know – card PIN, a static password* or your phone unlock method

*What is the static password made of?
The static password consists of the last 5 digits of the card number and the last 4 digits of the IDNP.

Contactless transactions at POS terminals:

• Payments under 1,000 MDL require PIN if:
  • The cumulative value of contactless transactions without PIN exceeds 3,000 MDL
  • More than 5 consecutive transactions were made without PIN
• Exception: Payments via Apple Pay and Google Pay do not require PIN
• Payments over 1,000 MDL — PIN entry is mandatory

Online transactions (e‑commerce):

• Online payments under 600 MDL require a static password if:
  • The cumulative value of password‑free transactions exceeds 2,000 MDL
  • More than 5 consecutive transactions were made without a password
• Exception: Online payments via Apple Pay and Google Pay do not require the static password
• Payments over 600 MDL — the static password is mandatory

Note: Dynamic password authentication (SMS TAN) within 3D Secure remains mandatory for all online payments.

Starting February 1, 2025, login and certain operations in ProBanking will require additional authentication.

• Enroll your card in Apple Pay, Google Pay, or other eligible digital wallets
• Remember your card PIN and static password
• Make sure you have the latest version of the ProCredit Mobile Banking app installed

ATTENTION: The inactivity session timeout in E‑banking and Mobile Banking is 5 minutes!

The implementation of Strong Customer Authentication is carried out in accordance with Regulation No. 12 of 11.01.2024 issued by the National Bank of Moldova, which can be consulted HERE.