How to use STICK ‘N’ PAY?

After activating it in the bank,you can stick STICK ’N’ PAY in your phone or any other equipment. For payment execution you just need to tap you phone in each POS terminal that accepts contactless payments. 

What is Visa Classic

Visa Classic is a debit card that is linked directly to the account, including the allowed overdraft, which gives you access to your funds 24 hours a day, 7 days a week, through a network of over 1 million ATMs and 1.2 million sale terminals in the whole world, which accept the Visa brand.

Visa Classic provides you, as the card holder, with full control over your expenses. Every action you undertake with your card is reflected in your account statement, thus enabling the verification of every transaction.

With STICK ’N’ PAY you can pay:

  • up to 15 euro without PIN, while for ammount over 15 euro up to 100 euro 4 digits PIN code is required
  • maximum transaction ammount: 100 euro, up to 2'000 euro total ammount within 24 hours 

For payments over 100 euro, you will need a regular debit card with chip.

Where you can pay?

With STICK ’N’ PAY you can pay at all merchants equiped with POS terminal that accepts contactless payments or whenever you see a contactless sign. . Sticker-card and POS terminals use an advanced technology protected with chip. All codes are unique for each transaction. Moreover, we offer you the same security levels as those applicable for regular cards. 

Disclosure of information


During online payments card holders need to take account of the following: any request, made orally or in writing, to send a copy of the card ( fornt and/or back), PIN or any other card data such as card number, valid thru date or verification code, such a request may be an attempt of card abuse.

In addition to disclosing card data, holders should be aware that they can fall victim to online fraud also by sharing their personal information (ID card number, passport number, personal ID No, etc.).



Phishing means the use of unsolicited e-mails or browser pop-up windows to obtain customers personal information (ID card number, passport number, etc.) and credit card data (card number, valid thru date, verification code).



Vishing is a novel form of phising and refers to unauthorised attempts to obtain personal information on clients and credit cards in telephone call.

E-mails and phone calls

Our recommendation to our clients is never to respond to e-mails or telephone calls with requests for personal information or credit card data. No bank or a number, secret PIN code, card expiration date or card verification code from the back of the card. Particular caution is warranted when opnening any attachments and/or downloading ANY web content.

Do not ever respond.

Clients can check and report any suspicious transaction by calling Contact Center at: +383 38 222 222 . One of the options available to our clinets for keeping track of the charges made to their credit or debit cards are E-banking or the SMS banking, which sends a text (SMS) message with their account (current account) balances and changes.


Raiffeisen Bank Kosovo is constantly working on security of each aspect of its card business:

• monitoring card transactions and cards issued by Raiffeisen Bank Kosovo , as well as cards issued by other banks, made at Raiffeisen Bank Kosovo's POS terminals and ATMs,
• each Raiffeisen Bank Kosovo card issued features integrated chip technology,
• all POS terminals and ATMs support chip technology,

Our recommendations


PIN is a secret code known only to the card holder and they must never reveal it in any way (in conversation, by telephone or e-mail). It is worth noting that, according to the regulation in place, not even the issuing bank knows the PIN and has not right to request the holder to disclose their PIN.

It is precisely for the reason of security that Raiffeisen Bank Kosovo recommends debit and credit card holders to treat any information concerning cards with caution and to keep PINs, passwords, card verification codes and other such information to themselves. Also, in the case that such information is stored anywhere, it should not be kept near the card. Caution is also recommended during transactions; we advise any transactions to be made by the card holer in person.

The bank´s security systems are at maximum level, but each holder is responsible for day - to - day protection of their card information and PIN, and for paying particular attention to the security of the websites that collect their information.

The corporate webpage of Raiffeisen Bank Kosovo also feature a segment on the Security of online payments, intended to provide any information necessary for customer protection and fraud prevention. It is important to make card holders aware of the need to abide by the bank´s security recommendations and to take any autonomous action in line with such recommendations for sake of their own security.

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