• Make payments in Serbia and abroad at over 100 million merchants—wherever you see the Mastercard logo. • Secure online shopping with Mastercard Identity Check™—confirm purchases with a unique OTP code sent via SMS to your verified phone number in the AikBank system. • Choose your preferred repayment method: • In 3, 6, or 12 equal monthly installments, or • Revolving credit, where the repaid amount (minus interest) becomes available for reuse. • Interest is not charged for completed purchases and installment transactions if you pay the full amount of the spending by the payment due date indicated on the monthly statement (45-day grace period). • Contactless payments and mobile wallet support.