If you previously tried to pay a DCX invoice with a DinaCard and the transaction failed, the cause may not have been incorrect details or your account balance. While improving our integration, we identified a processing issue affecting certain Dina cards and adapted our payment flow.
Following the change, we successfully tested payments and card saving with the DinaCard cards used in our checks. There is a wider change in Serbia’s payment system behind this work that is worth explaining.
New infrastructure for DinaCard online payments
On 11 December 2025, the National Bank of Serbia announced the launch of DinaCard Secure and supporting systems for additional customer authentication during online purchases. This created the conditions for issuing cards that support modern 3D Secure procedures. Read the NBS announcement about the system’s modernisation.
For customers, the most visible part of this process is an extra confirmation step with their bank. Behind it, the card scheme, issuing bank, processor and merchant’s system need to work together. Launching the central infrastructure does not mean every previously issued card is already ready for the same payment flow.
What we learned from the processor
According to the explanation we received from MSU support on 8 October 2026, not all banks had completed their Dina 3D Secure integration, and not all issued cards had been enrolled in the programme. Enrolment means enabling a card to participate in this additional bank-authentication process.
As a result, a valid card with sufficient funds can still encounter a problem at the 3D Secure step. This is part of the transition of banks and cards to the new system. Support also confirmed that processing differs depending on how a merchant connects to the processor.
This helps explain why a DinaCard label alone was not enough to predict how every payment attempt would behave. We needed to examine the actual processor and bank responses and test different cards.
Where does ChipCard fit in?
ChipCard provides DinaCard transaction-processing services, including support for banks issuing and accepting cards. See ChipCard’s overview of its processing services.
Its role in the new system has also been described publicly. On 17 March 2026, Payten announced that ChipCard was the first processor to enable banks to introduce DinaCard Secure in line with NBS regulations. Read Payten’s announcement.
Our integration uses the ChipCard/Payten payment-processing system. Alongside tests at DCX, we therefore sought an explanation of the behaviour coming from the banking side of the process.
What we changed at DCX
For supported cards that the processor identifies as DinaCard, we have adapted processing to the current transition period. For that limited group, we enabled payment without the 3D Secure step that is not yet consistently supported, while retaining bank authorisation and verification of the transaction result in our system.
We also checked saving a card for future payments. A saved card can be recognised in the client area by its DinaCard label and last digits, while its sensitive card details remain with the processor.
This is a temporary adaptation of our integration. We continue to follow the processor’s updates so that we can return to the standard flow once the relevant cases are supported and tested. Approval of an individual payment still depends on the bank and card.
Additional protection during the transition
Alongside bank checks, we use FraudLabs Pro to assess risk when receiving new orders. This additional layer helps us identify suspicious orders and reduce the risk of abuse. Order screening complements bank authorisation and 3D Secure authentication where supported. Read about order screening with FraudLabs Pro.
During the Dina transition, we continue to apply these new-order checks and verify payment results received from the processor. The bank remains responsible for approving each individual transaction.
What does this mean for you?
You start a payment from your DCX invoice as before. You do not need to choose a technical mode or enter extra settings. If you previously had trouble with a Dina card, you can try again once the previous attempt has been confirmed as finished.
If the problem happens again, send us your invoice number and the time of the attempt. We will continue the investigation with the processor without asking you for a full card number or CVV.
For us, maintaining payments is part of developing the service. Alongside the appearance of a payment form, we work on differences between banks, payment confirmation and giving customers a clear explanation when something does not go through.
Read how card payments work at DCX and what else we have improved in the client area.
Developing card payments for your own website?
We can help with integration, saved cards and connecting payment confirmations to your business systems. Contact us for a demonstration and an agreed test. We can walk through both successful payments and situations that need additional checks using a concrete example.