Select the type of information you need:
- My ServiRed card has been lost or stolen. What should
Report this as soon as possible, either by
- contacting the Financial Institution that issued the card,
- calling our emergency telephone number
(902 19 21 00)
- How can I get a ServiRed card?
ServiRed does not issue cards directly. ServiRed Member Financial
Institutions do. Each Financial Institution has its own criteria
for issuing cards. Ask your bank for details.
- What kinds of ServiRed cards exist?
The cards issued by ServiRed Member Financial Institutions are
invariably associated with one of the international cards brands
--Visa or MasterCard. They can be further divided into two major
- Personal cards: designed to meet the payments needs of
private consumers purchasing goods or services.
- Commercial cards: designed to meet the payments, purchasing
and financing needs of independent professionals, small businesses
and large companies.
- Where can I go to find out more about my ServiRed card?
The Financial Institutions that sign contracts with ServiRed cardholders
are the owners of the cards, and as such are responsible for all
related matters: cancelling cards, authorizing transactions, debiting
transactions to customer´s accounts, and keeping all records.
When you have a question or a problem involving your ServiRed
card, you should contact the Financial Institution that issued
it to you.
- How can I use on-line banking services?
Most ServiRed Member Financial Institutions allow their customers
to carry out all types of banking transactions on-line, including
the request of ServiRed cards, consulting account balances and
terms of card use, changing credit limits, and notifying of lost
or stolen cards.
To learn more about on-line options, contact your Financial Institution.
- How can I request an increase in my credit limit?
Ask your Financial Institution. If it agrees to raise your limit,
the change may not become effective immediately, so be sure to
make the request in advance.
- How can I use my ServiRed card to pay for my purchases
in monthly instalments?
Ask the ServiRed Financial Institution that issued your ServiRed
- Are merchants showing the Visa/MasterCard emblem allowed
to set a minimum purchase amount, or to demand cash payments for
items on sale?
No. Merchants in Spain who accept Visa/MasterCard cards must accept
them for all purchases, regardless of product, price, season,
- I want to return a purchase I made with my ServiRed
card, and the merchant refuses. What can I do?
Merchants are free to set their own policies regarding returned
merchandise. However, the policy must be the same for cash and
- I´m about to take a trip. What insurance coverages
do I get from my ServiRed card?
ServiRed does not issue insurance to cardholders. ServiRed Member
Financial Institutions do. They are the ones who decide the more
suitable insurance packages for their cardholders.
I´ve read all the information above, but I still have a
If you need further information, write to us firstname.lastname@example.org
and we´ll answer you as soon as possible.
- Where can I obtain the ServiRed card that suits my needs?
ServiRed Member Financial Institutions will help you determine
the arrangements that best suit your requirements as a self-employed
professional, a small business or a large company, and may issue
you a company card.
To obtain the ServiRed company card you need for your business,
contact any ServiRed Member Financial Institution.
- How can my business accept payments made with ServiRed
Contact any ServiRed Member Financial Institution, it will set
up a merchant account for you, and supply a point-of-sale terminal,
thus enabling your customers to pay for their purchases safely
- What should I do when my terminal can´t read a
If the problem is in the terminal, it won´t work with any
card. In this case, call the technical service number your Financial
Institution gave you when you opened your merchant account.
If the problem is in the card, you should telephone your Financial
Institution´s Transaction Authorization Center, supplying
the relevant information. If the transaction is approved, you
can print a receipt with your terminal.
- Can I use my ServiRed card to pay for Internet purchases?
With the “Verified by Visa” and the “MasterCard
SecureCode” systems, the security of your on-line purchase
transactions is protected by a code or password known only to
you. You can register to use either or both systems at the financial
institution that issued your card. Whenever you decide to make
a purchase on line, the system will contact your financial institution
to request authorization. Your code or password will verify your
identity to the financial institution.
- Can I make purchases with my ServiRed card in virtual
merchants where prices are given in a foreign currency?
Yes. With your ServiRed card you can buy any product sold over
the Internet in any currency. The international Means of Payment
Networks will convert it automatically and bill you in your own
- What about customs duties on foreign purchases made
on-line with ServiRed cards?
It is your responsibility to find out about the import duties
or restrictions your country may impose on merchandise you order
from abroad, and it makes good sense to find out before you place
a firm order. Customs duties or other taxes are not usually included
in the price given by the merchant.
In Spain, the kinds of goods (physical or digital) and the merchant´s
location determine whether taxes and/or duties must be paid. When
you are in doubt about such matters, you should contact tax authorities
at the Agencia
Estatal de la Administración Tributaria
- What if I change my mind about an Internet purchase
made with my ServiRed card?
ServiRed cardholders who make purchases on the Internet may find
that the merchandise they receive is not what they ordered, or
is defective. Or they may not be certain that the order went through
properly. When any of this happens, there is a procedure to follow.
First, check out the policy of the virtual merchant on returned
goods and refunds, and then lodge your complaint or request with
If this doesn't work, then contact the Bank or Financial Institution
that issued your ServiRed card. An investigation will be conducted,
and you will be informed of the result.
- ¿Qué tengo que hacer para vender on-line?
Contactar con alguna de las entidades financieras miembros de
ServiRed. Ellas le guiarán en el proceso de implantación
de su negocio en la red, facilitándole las herramientas
necesarias para aceptar pagos con tarjeta de forma cómoda
- ¿Qué sistemas de seguridad puedo implementar?
El comercio on-line, además de estar preparado para aceptar
pagos con tarjeta, también ha de disponer de un sistema
que garantice la seguridad de los pagos en la red.
Para obtener información y asesoramiento sobre el sistema
de seguridad que más se ajusta a las características
y necesidades de su negocio, contacte con alguna de las entidades
financieras de ServiRed.
- What must I do in order to sell my products or services
Contact any of ServiRed’s member financial institutions.
There you will be receive complete instructions for putting your
business on the Internet, as well as the tools you need to accept
card payments in a way that is both convenient and secure.
- What security systems can I use?
Your ServiRed member financial institution will advise you about
the choices of systems that will protect you customers’
on-line card payments.
- What is a smart card?
A smart card or chip card is a plastic card that looks like your
ServiRed card with magnetic stripe. But embedded in the card is
a tiny integrated circuit or chip. This chip is a microprocessor
that can store and process information. In fact, it is a mini-computer
without keyboard or screen.
- What advantages does it offer?
Smart cards have several advantages over traditional magnetic
- Memory capacity: they can store much more information.
- Information processing: while the magnetic stripe can only
store a limited amount of information, the chip card can both
store and process information, automatically updating it and
increasing the number of functions you can perform with your
- One card, many applications: the chip can store and perform
several applications which benefit both cardholders and Issuing
- Enhanced security: using cryptographic techniques, chip
cards offer greater protection against the fraudulent use
of your card.
- What is a multi-application smart card?
While magnetic stripe cards can hold only one application (program),
a multi-application smart card that can contain several different
applications, both financial and non-financial. Thus a single
smart card can replace several traditional cards.
- What makes smart cards safer to use?
Their processing capability thanks to the chip. They allow the
secure storage, processing and retrieval such personal information
as card numbers, passwords, etc. that are needed to conduct confidential
- What additional advantages do smart cards have for cardholders?
They are more convenient and secure, and a single card can perform
many applications, such as making payments, storing personal information,
admitting cardholders to restricted zones, collecting loyalty
program points, securely verifying the cardholder´s identity
when making purchases over the Internet, and other functions that
can be added by Card-issuing Institutions.
- What is ServiRed´s role in the chip technology
ServiRed´s work in chip technology is done by its technological
unit SERMEPA, which is responsible for facilitating the emigration
to chip cards by ServiRed´s Member Financial Institutions.
For this reason, it intervenes in most of the links of the chip
technology value chain. ServiRed has been a pioneer in the development
and use of this technology and SERMEPA plays an active role in
international financial smart card forums.
SERMEPA's Advantis smart card operating system allows ServiRed
Member Institutions to issue the smart cards best suited to their
needs and the applications for which they are to be used.