Frequently asked questions and answers

The download and use of the RaiPay app is free of charge.

Paying with RaiPay is absolutely secure, as the same high security standards are used that Raiffeisen customers are used to when making card payments.

The agreed credit card limits also apply to payments and cash withdrawals with your smartphone.

The RaiPay PIN is used to verify your identity, e.g. for payments over EUR 50,-, when the maximum limit for consecutive low-value payments (EUR 125) is reached, to unlock the start screen to see card details, available limit or transactions. The RaiPay PIN is a four-digit number and can be replaced by a biometric identifier (e.g. fingerprint) to make RaiPay easier to use.

We recommend that you contact the card blocking hotline at +43 1 908 908 0 8080. At your request, we will block your smartphone's digital credit card to prevent misuse.

It can be used worldwide on all NFC terminals with Maestro function.

You can find an up-to-date overview of all Garmin Pay-enabled™ smartwatches in the Garmin Online Shop.

To protect you, Garmin Pay™ uses smartwatch-specific card numbers and transaction codes – called tokens – every time you make a purchase. Your card data is therefore not stored on the device or on the Garmin servers and is not transmitted to the merchants when you pay. To make a transaction, you enter your custom code on your watch, which will be remembered for 24 hours. Once you remove your wearable, you will need to re-enter the code.

To make a Garmin Pay™ payment, you must use the 4-digit PIN you chose during registration. The PIN must be re-entered every 24 hours, or as soon as the watch is removed from the wrist. The check is done by the heart rate monitor.

If the PIN is entered incorrectly three times, your smartwatch's wallet will be locked. You will then need to reset them in your Garmin Connect app or complete the registration process again.

Limits apply depending on the set daily and weekly limit of your digital credit card.

Since the PIN of your choice is only required every 24 hours, or when the watch has been removed, there is no need to enter a separate PIN at the payment terminal. This means that the contactless limit of EUR 25 (or EUR 50 due to Covid-19) will also be eliminated when paying with Garmin Pay™.

• Physical Raiffeisen CardService credit card
• Garmin Pay™ enabled smartwatch (see Garmin Online Shop)
• ELBA Disposal

Please check if the following requirements are met to activate Apple Pay:

• Are you using the latest version of the iOS operating system?
• Have you installed the latest version of the My ELBA app?
• Do you have a good internet connection?
• Is the pushTAN confirmation of your identity still valid?
• Have you stored your current mobile phone number in your internet banking?
• Is your Raiffeisen credit card usable and not blocked?

If all points are met, but you still have problems adding your Raiffeisen credit card to Apple Pay, please contact your personal Raiffeisen advisor or Apple Pay Support.

You can start the process of adding your Raiffeisen credit card to Apple Pay in your My ELBA app. To do this, go to the respective account in the My ELBA app, select "Functions > cards" and click on "Add to Apple Wallet" for the respective card. Follow Apple Pay's instructions.

There are no costs to set up or use Apple Pay. However, an internet connection is required for setup.

With Apple Pay and your credit card from Raiffeisen CardService, you can pay quickly, securely and confidentially. Paying with Apple Pay is easy and works with the devices you use every day — iPhone, Apple Watch, iPad, and Mac. The card information is secure because it is not stored on your device or shared with the merchant at checkout.

To use Apple Pay, you'll need the following:

• An Apple ID signed in to iCloud
• An Apple Pay-enabled Apple device. For an up-to-date overview of all Apple devices that support Apple Pay, see: https://support.apple.com/de-de/HT208531
• The latest version of iOS, watchOS, or macOS
• A credit card from Raiffeisen CardService.

You can store several credit cards from Raiffeisen CardService. When you add two or more cards to Apple Pay, you can define a default card to pay for. You can set this in Apple Wallet or in the device's system preferences under "Wallet & Apple Pay".

You can store your credit card on several Apple devices at the same time. There is no limit to the number of Apple devices.

If you enable two or more cards for Apple Pay, you can define a default card for payment. You can set this directly in the Apple Wallet by pressing and holding the desired card and placing it in the first place.

No active internet connection is required to pay with Apple Pay. Transactions can be made without an internet connection with Apple Pay.

In some countries and regions, you may be required to enter your PIN when paying with Apple Pay in stores if your transaction exceeds a certain amount. In some cases, you may need to sign a receipt or use a different payment method. In Austria, you may be required to enter your PIN for purchases over EUR 50.00.

• In the Apple Wallet, when you tap on the respective card, you will find all transactions made with the card.
• You can still find the sales overview in your My ELBA.

With Apple Pay, you can conveniently pay for your purchases contactless at the checkout with your iPhone. This can be done in almost all stores, at online retailers or in the Safari browser. You can see exactly where by the symbol for contactless payment or the Apple Pay logo.

You can turn off notifications from Apple Pay about purchases in the Wallet app as follows:

• On your iPhone, open the Wallet app and select the card you want to use
• Tap More > Notifications
• Turn off the "Allow notifications" option

If you have questions about a charge, contact the dealer. The cashier can determine the purchase using the device account number and process the return just as they would when paying with a physical credit card. You can find the device account number in Apple Wallet.

If you are unable to bring about clarification, you can complain about the turnover. Please contact your bank advisor for more information.

There is no limit to the number of payments made with Apple Pay. The same daily or card limits apply as those of your physical credit card from Raiffeisen CardService.

To block your physical credit card or order a replacement card, please contact your Raiffeisen advisor or the blocking hotline.

If you've received your new credit card and you want to use it with Apple Pay, you'll need to add the new credit card to Apple Pay again.

To exclude payments with Apple Pay, delete any cards added to Apple Pay on your iPhone. We strongly recommend that you reset the device to its original state before selling it to a new user. This will delete your personal information. For detailed instructions on how to restore the factory settings, refer to the manual for your iPhone, iPad, Mac or Apple Watch.

Instead of your credit card number, Apple Pay uses a virtual number to make the payment, so your card information isn't transmitted to merchants and your actual credit card number isn't stored on your device or Apple servers.

If you lose your device or it's stolen, you can lock it at any time using the Find My app from another iPhone or iPad, or from your Apple ID account page. Your physical card will remain unaffected. You can pay with this as usual.

Make sure your device is safe and secure with an unlock mechanism. In addition, you must not have registered other people's fingerprints or share your unlock mechanism with other people. These people could otherwise use your device to transact.

No, you need an active iCloud account to pay with Apple Pay.

If you no longer want to use Apple Pay, you can delete the card on file in Apple Wallet.

If you lose your device or it's stolen, you can lock it at any time using the Find My app from another iPhone or iPad, or from your Apple ID account page. Your physical card will remain unaffected. You can pay with it as usual.

The card data is never stored on the device, but a non-sensitive equivalent (token) with which the payment is made. This means that your card data cannot be transferred to merchants 2 either.

Apple Pay can be activated via Apple Wallet by manually entering card data and authenticating via an SMS one-time password. In addition, activation can be started from the My ELBA app.

The new or newly issued card can be digitized once the plastic card has been received and activated (through an online PIN transaction at the POS terminal or ATMs). It can take up to a week for the card to be delivered.

Unfortunately, this is not possible.

In the Apple Wallet of the respective device, only the digital transactions that have been made with the device are displayed. For example, transactions with the Apple Watch are only displayed in the Watch app.

Instead of using the plastic card and inserting it into the self-service device, use the iPhone (on which the card is digitized in Apple Pay) in the same way as at the POS terminal (by tapping the contactless icon on the ATM). The subsequent process is the same as for the plastic card, where the PIN of the plastic card must be entered at the ATM.

• Secure registration
  By connecting to My ELBA, we ensure that there is no abusive login to My Portal Business.
• View your sales in real time
  Immediately after you have made your sales, you can check them in My Portal Business. This gives you another control mechanism.
• Download function of searched sales
  After you have searched your sales, you can also download and save them using a CSV file.

There are currently no plans for an app. You can access My Portal Business via the link below.

Cardholder: You can only view a credit card in My Portal Business

Admin: In My Portal Business, you will be shown all credit cards that run under the framework contract.

Please delete the browsing history and start the process again.

In the event of a login error, access to My Portal Business is blocked for 24 hours for security reasons. A password reset is not mandatory. After the 24-hour period, you have the option of assigning a new password. To do this, use the forgotten password function on the login page of My Portal Business.

• "Error: Unfortunately, the CardService SecureCode could not be saved."
  Please try again later. You have the option to skip this step and go directly to your sales overview. To do this, please use the button "Switch to turnover overview".
• "Attention: Your session has expired, please log in again to the customer portal."
  Due to inactivity for too long, you have been logged out of My Portal Business. To view your monthly invoices/turnover, a new login is required.
• "Error: The one-time link has expired / invalid. Please restart the registration process."
  For security reasons, the one-time link is only valid for 24 hours. After this period has expired, it must be requested again via My Portal Business. If this message occurs repeatedly, please try to copy the one-time link and paste it directly into the address bar of your browser.

Please check your SPAM or JUNK folder of your email service provider. If you have recently changed your e-mail address or have not received the e-mail in your SPAM or JUNK folder, please contact bc-office@r-card-service.at, in order to be able to analyze the misconduct in more detail.

No, My Portal Business has no effect on the functionality of your credit card.

The CardService SecureCode serves as the second authentication factor for Internet payments, which you assign yourself during the initial registration in My Portal Business. Instead of a one-time password, you will use the CardService SecureCode in conjunction with a one-time password for Internet payments in the future.

For customers with pushTAN, the CardService SecureCode is only required if the pushTAN service fails.

The CardService SecureCode serves as a second authentication factor for Internet payments. You will need this in order to be able to make online payments.

In My Portal Business, you have the option of reassigning your CardService SecureCode at any time. To do this, log in to My Portal Business and set your new CardService SecureCode.

After your successful login, simply click on the menu item "CardService SecureCode". Here you can assign your new CardService SecureCode.

Cardholder: My Business portal offers you numerous advantages. In addition to viewing your monthly invoices, you can also track, search and download your sales in real time. In addition, you can set your personal password for your Internet purchases (CardService SecureCode) in My Portal Business. If you do not register with My Portal Business, you will not have the opportunity to control your sales.

Admin: If you do not register with My Portal Business, you will not have access to the transactions and monthly invoices of all credit cards under the framework contract.

You can set your monthly invoices as well as a specific sales period and download and print your sales.

In My Portal Business, you can view your sales in real time. Copies of invoices for the sales made are not included.

It is possible to download and save your sales as an Excel file.

All information on transactions on the card account and the payment transactions processed via the account as well as all monthly invoices will be available for you to retrieve for 10 years after the termination of the credit card contract via My Portal Business on the RBI website. You can access My Portal Business as usual:

1. To access My Portal Business, enter the Card ID. Identification is carried out by entering the password you have set yourself in My Portal and entering the one-time password that RBI has sent to the mobile phone number you have provided. You can also change the password and your mobile phone number after the credit card contract has been terminated. To do this, please use the Change form after entering your current data, you can log in again using the "Forgot your customer portal password?" function.
2. If you have previously accessed Mein Portal via the electronic banking and the signature app identification procedure agreed with your Raiffeisenbank, you can continue to access it in this way.
3. If you no longer have an electronic banking agreement or agreement with your Raiffeisenbank via the Signature App identification procedure, you can register with My Portal by entering your Card ID. Identification is done by sending an e-mail to the e-mail address you have stored with us with a link that leads back to My Portal. You then set a password to access My Portal and confirm it by entering a one-time password that will be sent to your mobile phone number on file with us. You can then access the monthly invoices as described in point 1).

You can also change your e-mail address, mobile phone number and password after the credit card contract has ended. To do this, please use the Change form. After entering your current data, you can log in again using the "Forgot your customer portal password?" function.

My portal is primarily used to view your monthly invoices and to set your password for Internet purchases (CardService SecureCode). Master data change is currently not possible.