mastercard digital business

Issuing digital business cards for legal entities via web maib business is accessible to existing bank customers. The right to apply for a digital business card issuance is exclusively reserved for the legal entity's authorized person (Administrator).

Free top- up methods:

• At CDM maib terminals: for individuals authorised to deposit cash, according to the specimen signature sheet (with first and second signature rights).
•  24/7, via internet banking, the money will be credited to the account balance on the next working day after the transaction is made.
• At maib cash desks: with the ID card for those authorised to deposit cash, the money will be credited immediately.
• By bank transfer to the card account.

Withdrawal methods:

• at ATMs equipped with NFC technology, via Google Wallet, Apple Wallet, and Garmin Pay;
• at POS-terminals at the bank's cash desk, via Google Wallet, Apple Wallet, and Garmin Pay.

When making card payments in another currency, it is important to understand how the currency conversion process works to avoid any confusion later. Here's the process:

If the transaction is in USD, EUR or MDL, the bank uses its own exchange rate(the exchange rate for card transactions). The amount is blocked at the exchange rate on the day of the transaction. After receiving the debit confirmation from the international payment systems, the account is debited at the bank's exchange rate but at the amount set on the debit day (the difference between these two transactions can take up to 30 days).

For a transaction in another currency, the amount is initially converted to USD at the Mastercard or Visa exchange rate at the time of the transaction. This allows the USD amount to be blocked temporarily on your card account. Once the payment has been confirmed by the international payment systems (between 1 and 30 days from the date of purchase), the payment process is completed. The previously blocked amount is then recalculated in USD at the Mastercard or Visa exchange rate on the day of withdrawal from the account. Afterwards, the final exchange rate will be converted into the currency of your account at the bank's commercial rate(exchange rate for card transactions) if the account currency is not USD.

It is important to consider that the amount available in your account may vary. This variation may occur due to the time it takes for the merchant to process the information. Thus, the available balance in your account may be exceeded due to currency exchange.

We understand that this process may seem complicated, but we're here to help you navigate through it without unexpected difficulties. If you have any questions or queries, don't hesitate to contact us on 1314 or the international number +373 (22) 025 270. Our team is always available to assist you and further clarify your transactions.

• Access the maibank app;
• Choose the business card for which you want to configure the PIN;
• Select the "Set PIN code" option from the card menu;
• Enter a four-digit PIN code that you want;
• Repeat the new PIN code for confirmation;

If you have forgotten/lost the set PIN, change the PIN code in maibank without reissuing the card. For this, select the "Change PIN code" option from the card options and follow the steps similar to the settings.

Starting from February 1, 2025, the national legislation regarding strict customer authentication will take effect. The key changes are as follows:

1. For payments at merchants by presenting the business card: If you make more than five consecutive payments without entering the PIN, the PIN will be required on the sixth payment.
2. For cumulative payments: If the transactions between two strict authentications exceed 2000 MDL (or the equivalent in foreign currency), you must enter the PIN for the next payment.
3. For payments via electronic wallets (Apple Pay, Google Pay, Garmin Pay): There are no changes, and entering the PIN is not required.

If you encounter difficulties at the POS, we recommend asking the operator to repeat the transaction by inserting the card or paying via the electronic wallet.

If you have a Digital Business Card issued by maib, you can check your balance online depending on your role:

1. Cardholder (employee): the card balance can be checked directly in the maibank mobile app, where you have fast and secure access to your transaction history and available funds on your maib online card.
2. Company administrator: you have full access to card data through the maib business app, where you can manage all business cards. You can also make online transfers from the current account to any business card at any time, ensuring fast and easy fund top-ups.

To create a payment in MDL from your card account, you need to follow the steps below:

Step 1: Select the company.
Step 2: In the quick menu bar, click the “Payment in MDL” button, after which a new window will open.
Step 3: Carefully fill in the following fields: Amount, VAT and select the Currency, Payer Account and Payment Details (by choosing from the predefined fields). 

• In the dropdown field Payer – select the card account 2258.
• In the dropdown field Beneficiary – choose the beneficiary from the list or add a new one.
• In the dropdown field Payment Details – select the options “Payment for” and “Document type” from the suggested list.

If you are making a payment based on a document without a number, the Number field should be filled in with the option “N/A". For the Payment for and Document type fields, if you select the Other option, you must appropriately complete the fields displayed by the system, based on the document on which the payment is made.

• In the Date field – select the date of the document.

Step 4: Click on the Sign button, where you have two signing options: via mobile signature or electronic signature. Additionally, you have the option "Send for signing" in case you do not have the right to authorize payments.

Any successfully processed transaction automatically becomes a template, which can be accessed whenever needed, without having to fill in the data again.