Is it safe to pay for insurance policies on the eai.uz website?

Yes, payment on our website is completely secure. EUROASIA INSURANCE does not receive or store your bank card data. When paying, you are automatically redirected to the secure payment pages of our partners — Click, Payme, Octobank, or Uzum Bank. These payment providers use the international PCI DSS security standard, TLS data encryption, and 3D-Secure technology for additional authentication. All your card data is processed only on the secure servers of banks and payment systems.

What is 3D-Secure and how does it protect my money?

3D-Secure is an additional verification conducted by your bank when paying online. After entering your card details on the payment page of Click, Payme, Octobank, or Uzum Bank, you will receive an SMS with a one-time password from your issuing bank (for example, Kapital Bank, Ipoteka Bank, Hamkorbank, etc.). Only after entering this password will the payment be confirmed. This means that even if someone learns your card number, they cannot make a payment without access to your phone. All major banks in Uzbekistan support this technology for Visa, Mastercard, UnionPay, and MIR cards.

Is it safe to enter the CVV code (three digits on the back of the card) when paying online?

Yes, when paying on the secure payment pages of our partners (Click, Payme, Octobank, Uzum Bank), entering the CVV code is safe and necessary. This code is required to confirm that you physically have the card. However, never share your CVV code over the phone, in messengers, or by email — bank and payment system employees never request this information. Enter the CVV code only on official payment pages, making sure there is a lock icon in the browser address bar and the address starts with https://.

How to protect your card from fraudsters in Uzbekistan?

To protect your card, follow these recommendations: • Connect SMS notifications at your bank (the service usually costs 3,000 — 5,000 sum per month) — you will instantly receive information about each transaction • Set limits on online payments through your bank's mobile app or internet banking • Do not share your PIN code and CVV code with anyone, even if the caller claims to be a bank employee • Beware of phishing sites — always check the website address before payment (for example, the real Click is click.uz, not click-pay.com or similar) • Use antivirus on your computer and smartphone • Do not make payments through public Wi-Fi in cafes, shopping centers — use mobile internet

What is the safest payment method in Uzbekistan?

All payment methods available on our website are secure as they use the same security standards. The choice depends on your preferences: • Click and Payme — convenient if you have an account in these systems, allow payment without entering card details for repeat payments • Octobank and Uzum Bank — bank internet acquiring with direct processing through the bank • Payment through the bank's mobile app — if your bank supports integration with Click or Payme, this is one of the safest options All these methods use encryption, 3D-Secure, and anti-fraud systems. The main thing is to make payments only on official websites and check the payment page address.

What to do if I notice a suspicious transaction on my card?

If you see an unfamiliar payment in SMS notifications or transaction history, act immediately: 1. Block the card through your bank's mobile app or by calling the bank's hotline (numbers are usually indicated on the back of the card) 2. Contact the bank to dispute the transaction — you have the right to file a claim for refund of funds from fraudulent transactions 3. Write a statement at the bank branch describing the situation 4. Report to EUROASIA INSURANCE (if the suspicious transaction is related to policy payment on our website) by calling 1147 Important: In Uzbekistan, the Law "On Payments and Payment Systems" protects consumer rights. If the transaction was made without your participation and using 3D-Secure, the bank is obliged to conduct an investigation and, if fraud is confirmed, return the funds.

Payment Security | EUROASIA INSURANCE

1. Payment Processing Organization

To ensure maximum security and convenience for our clients, EUROASIA INSURANCE partners with leading payment providers in Uzbekistan. When paying for insurance policies on our website eai.uz, you are redirected to the secure payment pages of our partners: перенаправляетесь на защищенные платежные страницы наших партнеров:

Click — payment system
Payme — payment system
JSC "Octobank" — bank internet acquiring
JSC "Uzum Bank" — bank internet acquiring

Important to know:

EUROASIA INSURANCE does not receive, process, or store your bank card data. All card data (card number, expiration date, CVV2/CVC2 code) is entered exclusively on the secure pages of payment providers and banks. We receive from our partners only confirmation of successful payment and minimal information necessary for issuing an insurance policy (transaction number, payment amount, date). информацию, необходимую для выдачи страхового полиса (номер транзакции, сумма платежа, дата). This approach provides an additional level of protection for your financial data, as their processing is carried out by specialized organizations that have all the necessary licenses and security certificates. осуществляется специализированными организациями, имеющими все необходимые лицензии и сертификаты безопасности.

2. Payment Security

All our payment partners apply a multi-level system for transaction protection and control of fraudulent operations risks. операций.

PCI DSS Standard Compliance

The payment pages of our partners fully comply with the requirements of the international Payment Card Industry Data Security Standard (PCI DSS). This means that when processing your card data, the strictest information protection requirements established by the world's leading payment systems (Visa, Mastercard, UnionPay, etc.) are observed. Mastercard, UnionPay и др.).

Data Encryption (SSL/TLS)

All data transmitted between your device and payment pages is protected by the TLS (Transport Layer Security) encryption protocol. You can verify this by checking for the https:// prefix in the browser address bar and the lock icon. This technology makes it impossible for third parties to intercept and decrypt your data. лицами.

3D-Secure Technology

Our payment partners use 3D-Secure technology for additional authentication of cardholders. This is an international security protocol developed by payment systems: международный протокол безопасности, разработанный платежными системами:

Verified by Visa — for Visa cards
Mastercard SecureCode — for Mastercard cards
Mir Accept — for MIR cards

How it works:

After entering card data on the payment page, you are automatically redirected to the secure page of your issuing bank.
The bank sends you a one-time password (OTP) via SMS or through a mobile application.
After entering this password, the transaction is confirmed.

This additional verification ensures that the payment is made by the legitimate cardholder, not a fraudster who has stolen the card data. злоумышленник, укравший данные карты.

Monitoring and Fraud Prevention

Our partners — Click, Payme, Octobank and Uzum Bank — use advanced anti-fraud systems that analyze each transaction in real time across multiple parameters: которые в режиме реального времени анализируют каждую транзакцию по множеству параметров:

Verification against blacklists of compromised cards
Analysis of payer's geographical location (IP address)
Control of limits by amount and number of operations
Detection of suspicious behavior patterns

When signs of fraud are detected, the system can automatically decline the payment or request additional authentication to protect your funds. дополнительную аутентификацию для защиты ваших средств.

3. Protection of Your Personal Data

EUROASIA INSURANCE takes all necessary legal, organizational and technical measures to protect your personal data from unauthorized or accidental access, destruction, modification, blocking, copying, distribution and other unlawful actions. блокирования, копирования, распространения и иных неправомерных действий.

Personal Data Security Measures

The security of your data in our information systems is ensured by the following measures: Безопасность ваших данных в наших информационных системах обеспечивается следующими мерами:

Threat identification and analysis. We conduct regular assessment and analysis of potential personal data security threats at all stages of their processing. This allows us to timely identify new risks and take preventive protection measures.
Application of comprehensive protection measures. We use a combination of organizational and technical measures that fully comply with the requirements of the legislation of the Republic of Uzbekistan in the field of personal data protection.
Use of certified information security tools. To neutralize identified threats, we use information security tools that have undergone conformity assessment (certification) procedures in the established manner.
Verification of security measures effectiveness. We regularly conduct internal and external audits to verify the effectiveness of applied security measures before putting new information systems into operation and during their use.
Personal data media accounting. Strict accounting is maintained of all machine media containing personal data to prevent their loss or unauthorized use.
Detection and elimination of security incidents. Monitoring systems have been implemented that allow timely detection of unauthorized access to personal data and immediate response to information security incidents.
Data recovery. The ability to quickly restore personal data that may have been destroyed or modified due to unauthorized access or technical failures is ensured.
Access regulation and action registration. Strict rules for access to personal data based on the principle of least privilege have been established. All actions performed with personal data in information systems are recorded in audit logs and subject to regular control.
Continuous security level control. We carry out continuous monitoring of the security level of our information systems and respond promptly to changes in the information security threat landscape.

Data Transfer to Payment Providers

When making payments on our website, we transfer to payment providers only the minimum necessary information: информацию:

Payment amount
Service description (insurance policy)
Unique order number in our system
Contact information for communication (if necessary)

Your bank card data is transmitted directly from your browser to the payment provider, bypassing our servers. We guarantee that this information is not stored or processed on our servers. серверы. Мы гарантируем, что эта информация не сохраняется и не обрабатывается на наших серверах.

4. Your Actions to Ensure Security

Your vigilance also plays a key role in ensuring payment security. Please follow these recommendations: следующих рекомендаций:

Keep card data secret. Never share your PIN code and CVV2/CVC2 code (three digits on the back of the card) with anyone. EUROASIA INSURANCE or payment provider employees never request this information by phone or email.
Check the website address. Before payment, make sure you are on the official website eai.uz. After clicking the payment button, you will be redirected to the secure page of the payment provider — verify that the address corresponds to the official domain (click.uz, payme.uz, octobank.uz, uzumbank.uz).
Beware of phishing. Do not click on suspicious links from emails or SMS messages allegedly sent on our behalf. Always enter the website address manually in the browser address bar.
Use secure devices. Make payments only from personal computers and smartphones with installed and regularly updated antivirus software. Avoid payments through public computers or unsecured Wi-Fi networks.
Enable SMS notifications. Activate SMS notification service from your bank to instantly receive notifications about all operations on your card. This will allow you to promptly detect unauthorized charges.
Regularly check card statements. Periodically review transaction history in your bank's mobile application or internet banking to ensure there are no suspicious transactions.
Use a separate card for online payments. Consider getting a separate card specifically for internet purchases with a limited limit. This minimizes potential losses in case of data compromise.