We use sophisticated technology to help keep your Account safe. We've made big investments in the advanced 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 thousand 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.