On m-banking:

• Log in to Stopanska Banka's m-banking
• Select the account that is linked to a debit card (Visa or Mastercard)
• Select the Accounts tab.
• Select Visa Direct payment from the list of orders
• On the next screen, allow all contacts who have linked their Visa card to their mobile number to load.
• Select the desired user/mobile number you want to send money to.
• Enter the amount you want to send.
• Click the Send Money button at the bottom of the screen, confirm the transaction with a software token/biometrics - and you're done!

On e-banking:

• Log in to Stopanska Banka e-banking
• Select Orders via the payment account that is linked to your debit card.
• Select Visa Direct payment from the list of orders
• Select Payment to mobile number
• Select Add New and enter the recipient's phone number in the format 3897XXXXXXX. You will only be able to create a payment to a phone number if the recipient has created a Visa+ account with their bank.
• Select the entered phone number, after which the payment form will open.
• Enter the transaction amount, confirm the transaction with a software token/biometrics via the mobile app – and you're done!

On m-banking:

• Log in to Stopanska Banka's m-banking
• Select the account that is linked to a debit card (Visa or Mastercard)
• Select the Accounts tab.
• Select Visa Direct payment from the list of orders
• On the next screen, allow all contacts who have linked their Visa card to their mobile number to load.
• Select the Send money to card number option at the bottom of the screen.
• Enter the data that is mandatory in the payment form: the recipient's 16-digit card number, amount, first name, last name, address and city of the recipient.
• Click the Send Money button at the bottom of the screen, confirm the transaction with a software token/biometrics - and you're done!

On e-banking:

• Log in to Stopanska Banka e-banking
• Select Orders via the payment account that is linked to your debit card.
• Select Visa Direct payment from the list of orders
• Select Payment to Visa card
• Enter the recipient's 16-digit Visa card number, the transaction amount, the recipient's first and last name, address and city, confirm the transaction with a software token/biometrics via the mobile app - and you're done!

To receive money via a mobile number (alias), you need to create a Visa+ account through SB's mbanking or ebanking solution.

The APPLY FOR menu contains the service for creating a Visa+ profile through which you can link your mobile number to your Visa debit card. In this way, you create an alias through which other Visa+ users can transfer money to your debit card without knowing your card number, but they know your mobile number, which in this case is used as an alias for payment.

The Visa Direct service for transferring money to Visa cards is available at any time, and transactions can be made even on non-working days.

• Log in to Stopanska Banka's mbanking or e-banking solution
• Select Visa+ account from the APPLY FOR menu.
• Select Activate to continue with Visa+ account activation.
• Check the registered mobile number, select one of the debit cards from the list that you want to receive funds to and select Confirm.
• Select Confirm if you agree to activate the Visa+ account.
• Enter the one-time activation code you received via SMS to the mobile number registered with the bank and select Confirm.
• Your Visa+ account has been successfully activated! Now you can receive money without sharing your card number. Just share your mobile number with friends who have the ability to send money via Visa+.

Visa Direct is a Visa service that allows you to send money directly to a Visa payment card.

Visa+ allows payments to be made without sharing a debit card or bank account number. Instead, the transfer is made through a unique alias identifier (for example, a mobile number) associated with a Visa+ profile. Visa+ is a service that uses Visa Direct in the background, but offers a simpler way to make payments, without sharing a debit card number. When sending money via Visa+, the transfer is actually made via Visa Direct. Stopanska Banka offers Visa+ as part of the Visa Direct service.

An alias is a unique identifier, phone number, e-mail or pseudonym used to replace sensitive information about a payment card or payment account associated with a payment card when making payment transactions via Visa/MasterCard. The alias is created by the User and is associated with the User's payment card or payment account in order to facilitate the process of making transactions, reducing the risk of misuse of sensitive data.

Visa Direct payments are executed in real time, and the funds are available on the recipient's payment card immediately - in just a few seconds/minutes they are available for payment with the Visa payment card.

Yes, Visa Direct/Visa+ service is available 24/7. You can send and receive money at any time, outside of business hours, on weekends and holidays.

The payment account of the sender of funds is debited on the next business day from the date of the transaction for the amount of the transaction made (and a fee if applicable, according to the Bank's tariff).

The balance of the payment card is updated immediately for the amount of the transaction and the fee.

If the recipient and sender have cards in SB – the funds are credited to the payment account the next business day.

If the sender is from another bank, and the recipient has a card in SB – the money is available on the SB card immediately, and the funds are credited to the account within 2 business days.

If the recipient has a card in another bank – the funds are credited to the payment account in the other bank in accordance with the terms and conditions of the card issuing bank. According to Visa Inc. rules, the funds must be available on the card immediately, but the crediting can be done within 3 business days, according to the bank’s internal rules.

If you are sent funds to an SB debit card linked to a denar account only, the funds will be posted to the denar account (Mastercard debit card, Visa Classic debit card and Visa Internet card).

If you are sent money to a Visa Gold debit card: The Visa Gold debit card is a payment card from SB linked to 2 accounts: in denars and euros. If money is sent from abroad to your Visa Gold debit card in a currency other than denars (e.g. in euros), the funds will be posted to the euro account. If the sender sends denars, the funds will be posted to your denar account linked to the Visa Gold debit card.

Yes, transactions from the current date are recorded in the Pending Transactions section of e-banking, i.e. in reserved funds in m-banking. On the day of the account posting, transactions are available for inspection in the daily transactions menu, and then in the Account Statement. For easier recognition, transactions contain Visa Direct in their description.

The available balance on your card will be updated for the amount that was sent to you by the other bank.

In the SB mobile application, you can see the transaction in Reserved funds on the payment account where you expect the funds.

In web electronic banking, you can see the transaction in Pending transactions on the payment account where you expect the funds.

The transaction is available in Reserved funds/Pending transactions, and the amount is available on your payment card and you can use it immediately.

Yes, daily and monthly transaction limits are set per payer and per recipient.

*Payments abroad will be additionally enabled

*The limits in the table apply only to payments to cards from other banks, and the existing e-banking limits apply to internal payments.

*The limits per recipient apply to payments from your account to a specific card/mobile number.

No, currently you can make promotional payments to Visa cards WITHOUT A FEE.

An additional notice will follow regarding the introduction of a fee for Visa Direct payments.

Yes, you must have a payment card at SB to make a Visa Direct payment. The payment account from which you want to make a payment must be linked to a debit payment card.

No, Visa Direct payment is only possible from a denar account linked to a debit payment card for individuals.

No. You can only make a payment from a Denar payment account that is linked to a debit card for an individual (Visa Classic, Visa Gold, Mastercard or Visa Internet card).

No, the recipient cannot receive funds on a card that is blocked or expired. Card transactions are executed through the Visa Direct service and are subject to the same rules as any other card transaction.

Yes, payments can be made from a payment account linked to a debit card, regardless of whether you are a Visa or Mastercard user.

No, you can only make a Visa Direct payment from a payment account that you are the holder of. If you are an authorized person on a payment account and you want to make a Visa Direct payment, we recommend that you transfer the funds from the authorized person's payment account to your payment account through your electronic banking and thus make the payment.

Yes, regardless of the recipient's current location, it is possible to send funds to a Visa card issued by a Macedonian bank, at any time.

No, payments to Visa cards from foreign banks are not currently enabled, but they will be enabled soon, for which additional information will follow.

No. You can make a Visa Direct/Visa+ payment without having an active Visa+ account. You only need a Visa+ account to receive funds through your alias – the mobile number associated with your Visa debit card via the Visa+ network.

No. You can only create a Visa+ account with a Visa debit card (Visa Classic, Visa Gold, Visa Internet debit cards), i.e. you can only receive funds through the Visa+ network to an active debit payment card.

No, you can only create a Visa+ account with the primary Visa card linked to the account you are the holder of.

Yes, you can change or delete your Visa+ profile at any time. Changing your Visa+ profile means linking your alias to another Visa debit card you are a user of or updating your mobile number that you want to link to a Visa debit card.

Visa Direct is used to send money between debit cards. Sending money to a credit card via Visa Direct is not allowed. For payments to credit cards at SB, you can use the credit card payment templates.

Certain issuers (other banks) do not allow Visa Direct transactions to their credit cards.

The funds are available on the recipient's card immediately, and can be used immediately to pay with the card.

No, you can only create a Visa+ account if you have an updated Macedonian mobile number at SB.

Visa Direct service is used to send money between debit cards. Sending money to a credit card via Visa Direct is not allowed. For payments to credit cards at SB, you can use the credit card payment templates.