Payment authentication

When paying by a bank card, your bank might ask you to confirm your identity as an extra layer of payment security.

How it works

A pop-up screen from your bank might appear, asking you to pass an authentication check or provide some details, for example:

  • PIN code or password of your device
  • Code sent to you via an SMS
  • Hardware token
  • Fingerprint or face recognition

The exact authentication method depends on your bank (or bank card issuer).

How to prepare for it

Please make sure that your contact details in your bank are correct. Also, please familiarise yourself with the authentication method used by your bank (they should inform you about it).

Why we are doing this

Strong Customer Authentication (SCA)—a regulation in the European Economic Area (EEA)—requires all banks to authenticate digital transactions this way. Though the UK isn’t a part of the EEA anymore, they still intend to follow the SCA regulation.

Such authentication practice helps our payment service provider verify that it’s really you who’s making the payment and protects you from fraud.

Using this measure is required by law as of 1 January 2021. For this reason, it isn’t optional and can’t be turned off.

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