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.
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.
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.