We introduced 3D Secure (3DS) technology as an extension of Strong Customer Authentication (SCA) to protect you when making purchases online. 3DS makes payments more secure by asking card owners to approve payments they make online by verifying their identity.
How does 3DS work with Soldo cards?
When making an online payment using a Soldo card, you’ll receive an on-screen message from Mastercard® Identity Check asking you to approve the payment using your Soldo mobile app.
You’ll need to tap the notification sent to your phone, or open the app, tap Account and go to the Approvals Centre to approve or reject the payment.
See: Where can I download the Soldo mobile app?
If you don’t have the Soldo mobile app installed, you’ll get an SMS instead. We’ll send you a one-time code (OTP) that you'll need to enter in the Identity Check box on the screen.
Once the verification request has been sent, you have 5 minutes to approve it. After that, the online payment will automatically be declined.
What do I need to do?
Anyone who’ll use a Soldo card to make online payments needs to:
- Have the latest version of the Soldo mobile app installed (See: Where can I download the Soldo mobile app?)
- Make sure their mobile numbers are up to date in Soldo
- Make sure they’re set as an assignee on any company card they use
How does 3DS work with company cards?
You'll need to verify your identity to approve online payments you make using company cards too.
To get the verification request in the Soldo mobile app, you need to be set as one of the card’s assignees. The verification request will then be sent to all these assignees. Any of them can approve or reject the payment, regardless of who made the payment.
Your Soldo admin can add or remove assignees by following the steps under How do I add/remove assignees for company cards? below.
How do I add/remove assignees to/from company cards? (Soldo admins only)
- Log into the Soldo Web app.
- Select Cards from the menu.
- Select the relevant company card.
- Click the Assignee section.
- Use the ‘Add assignee’ button on the right to add assignees. To remove an assignee, select the red bin that appears when you hover over the row.
- Click Save.
How do I update a user’s mobile number?
- Log into the Soldo Web app.
- Select Users from the menu.
- Select the relevant user.
- Under the Information tab, select Edit under the Mobile number section.
- Enter the updated number.
- Click Save. You'll need to complete SCA to confirm the change.
Frequently Asked Questions (FAQ)
Why does Soldo use SCA and 3DS?
SCA is part of the Payment Service Directive (PSD2). It aims to make online payments more secure and prevent online fraud, such as your card details being used without your permission. 3DS meets the PSD2 requirements for SCA by adding an extra layer of identity verification before an online payment is completed. This helps ensure that it’s really you using your Soldo card.
The Mastercard® Identity Check window hasn’t appeared on the merchant page. What should I do?
Don't worry. Some online merchants don’t participate in Mastercard® Identity Check, or they may use different rules to determine which transactions should be challenged.
I received a verification request, but I didn’t make an online payment. What does this mean?
If you’re set as an assignee of a company card, you’ll get a verification request every time the card is used online, even if you didn’t make the transaction. You can accept, reject, or ignore the request. We recommend speaking with your Soldo admin about what to do in these cases.
Can a payment be approved twice?
No. If a company card has multiple assignees, the verification request will expire as soon as one of them approves or rejects the payment.
Soldo makes things quicker and easier to use. Won't 3DS slow me down?
Hardly. The check only adds a few seconds to your transaction. That’s all it takes to provide extra security and reassurance that the transaction isn’t fraudulent.
To speed things up, make sure you have your phone to hand when shopping online.
How long should it take for my mobile number to update?
Your mobile number should update as soon as you save it in Soldo. In some cases, it may take a little time for all internal systems to refresh. We recommend waiting a few minutes before making an online payment after updating your number.
What if I don’t have a phone signal?
You’ll need mobile coverage before you can complete an online payment with your Soldo card. We understand this may not always be convenient, but it's important for protecting you and your money.
My question isn't answered here...
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