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Making secure payments with PSD2

Making secure payments with PSD2

Payment Services Directive 2 (PSD2) is a regulation to make online account management and payments more secure. It also improves fraud protection by using Strong Customer Authentication (SCA)

This industry-wide regulation affects all banks, businesses and customers. 

Your PSD2 questions answered

New regulations can often sound complicated. So we’ve put together a list of FAQs to help answer your questions.

What you need to know about Strong Customer Authentication (SCA)

A key element of PSD2 is Strong Customer Authentication (SCA). This is a new additional security check to prove it’s really you. 

As well as your card details, you’ll need to take an extra step to manage your account online or make payments. This is called two-factor authentication.

You’ll need choose two categories from this list:

• Something you know, like a password or PIN

• Something you have, like a phone or PINsentry card reader

• Something you are, like a fingerprint or face recognition

For example, when you’re paying online you could use a password (something you know) or your PINsentry card reader (something you have) to authenticate your payment. 

Or to log in to your account online, you could use a PIN (something you know) or your PINsentry card reader (something you have) to confirm your identity.

Confirm it's you with a text

Here’s how you can use a text message sent to your mobile to complete an online payment.

Authenticate yourself with a PINsentry card reader

See how to complete your online payment or log in to your online account with a PINsentry card reader.

Log in to Barclaycard online account

How to confirm it’s you when logging into your Barclaycard online account.

Introducing authentication cards

Have you received an authentication card to log into your Barclaycard account? Find out what they’re for and how to use them.

Our quick guide to PSD2 and SCA

What is PSD2? How does SCA work? What will the changes mean for your business? This article answers these questions and more.

Also taking payments under PSD2?

We have resources, industry insight and information to help you understand how to use PSD2 for your payments, and how the new regulation could impact your business.

Still need help?

If you can’t find the answer to your question in the FAQs, just get in touch.  

Contact us

Do you also have a personal card with us? Find out more about the changes.