New regulation means more authentication steps
Beginning 14 September 2019, a key part of the EU Revised Payment Service Directive (PSD2) is coming into effect. Its focus on security means all card issuers will need to verify your identity more often when you shop online, in-store with contactless, and when you access your Online Account.
How it will work for you
The new regulation requires you to authenticate yourself more often when you are shopping online, in-store, or accessing your Online Account.
Please check your contact details are up-to-date, in case we need to send you a verification request, so we know it's you who's making the purchase.
Security and convenience
We're making sure the new way we authenticate you, both maintains our high security standards and is also less hassle for you.
Our existing security systems
We use sophisticated technology to help keep your Account safe. We've made big investments in the advance machine learning that powers our intelligent security systems. This means we're confident it's you making the purchase, even when you're using contactless or shopping online. If we suspect a problem, our team will contact you by call, text or email to check it was you making the purchase. The complex algorithms we use are built using data from millions of payments. We check your purchase against your previous buying patterns and thousands of other patterns, looking for irregularities that might signal fraud.
And unlike most other card companies, we both supply the Card and process the payment, making us uniquely well-placed to spot any unusual activity and solve problems faster.