Tophats.es works to ensure the security of transactions with our clients and therefore we only work with the most secure means of payment. Below we detail payment systems available to our shop online today.

TPV Virtual Caixa Banc ("la Caixa")

The virtual POS (SERMEPA) is a device prepared to work in secure mode within the sales operations through the Internet, i.e.:

To try to contact the card issuing bank to request authentication of the holder (identity verification) before requesting the corresponding request for authorisation. This ensures that only the genuine holder, card holder, will operate with it.

B.-implements SSL in all communications which prevent the interception of information by third parties. Therefore, confidentiality is assured in all communications to be established during the transaction.

C also enables mechanisms to test the authenticity of the origin of transactions and also preventing the manipulation of data by third parties. This ensures the integrity of the data of the transaction.

D the card data are not known for ketienda.es, which avoids that this information may be used subsequently by others fraudulently. (The best way to safeguard sensitive customer information is not having it.) This information is stored conveniently by the Virtual TPV, which in turn will provide to the payment system as needed (for example in a callback).

Therefore, all transactions carried out via the Virtual POS will have all the guarantees of security, confidentiality and integrity for participating agents: cardholders and their CAs, and shops and its acquiring entities.

The Virtual POS will be updated with the latest versions of secure payment go to international bodies.

How does it work?

1 Commerce contact the Virtual POS and makes the transaction data: the amount, the currency, the call sign and name of the trade.

2. the Virtual POS request the card and expiration date to the customer.

3. the Virtual POS contact the financial institution that issued the card.

4. the CA requesting client authentication. Customer can prove their identity by a password, a phone call, etc. as you have agreed with your CA.

5. the Virtual POS requests authorization to the CA.

It may happen in some cases that the issuer and the holder of the card still not have agreed any authentication method, so step 4 not always is, but from the point of view of ketienda.es, the transaction remains secure.