👉How PSD2 and 3D Secure Affect Your FREENOW Payments?
👉The 3D Secure identity check was not successful, what should I do?
👉If my card secure check fails, will I be blocked from the FREENOW app?
👉The card on my account belongs to a relative/partner, can I no longer use this card?
How PSD2 and 3D Secure Affect Your FREENOW Payments?
Since 14th September 2019, the EU's PSD2 directive requires banks to verify your identity for online payments to ensure security and transparency.
To comply, FREENOW will prompt your bank’s "3D Secure" identity check when using a credit/debit card. This may involve a one-time passcode via SMS, a password or fingerprint recognition.
The identity check will occur occasionally during payments or when adding a new card, depending on your bank's policy. It only affects personal accounts using credit/debit cards (not cash or B2B accounts).
The 3D Secure identity check was not successful, what should I do?
There are several reasons that can lead to a 3D Secure check failing:
- You input the wrong 'One Time Passcode'
- You pressed the 'Cancel' button or the lock button on your phone
- You took too long to authenticate and the process timed out
- You did not receive any SMS from your bank/card provider
> If the failure was due to accidentally pressing the lock button, try again and make sure to succeed before locking your device.
> If the failure was due to missing information, please raise this with your bank/card provider. You can also consult your online banking account to verify your personal details are updated on your bank account profile.
If my card secure check fails, will I be blocked from the FREENOW app?
Not at all! These payment solutions based on 'Wallet' technology already provide a layer of security and strong customer authentication.
The card on my account belongs to a relative/partner, can I no longer use this card?
Yes! You might run into some issues during the payment.
The purpose of the identity checks requested by the bank is to confirm the identity of the cardholder. If you are in this situation, contact the bank so that they can provide an adapted solution.