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® SecureCode 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 Activity, and go to the Approvals Centre – to approve or reject the payment.
If you don’t have access to the Soldo mobile app, you can opt to get an SMS instead. We’ll message you a one-time code that you'll need to enter in the SecureCode 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.
How does 3DS work with expense centre cards?
You'll need to verify your identity to approve online payments you make using expense centre cards, too. However, you'll need to use the mobile app verification method as the SMS method isn’t available for expense centre cards.
To get the verification request, 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 whether they made the payment or not.
Your Soldo admin can add or remove assignees by following the steps under How do I add/remove assignees for expense centre cards? below.
What do I need to do?
Anyone who’ll be using a Soldo card to make online payments needs to:
- Have the latest version of the Soldo mobile app installed on their phones
- Make sure their mobile numbers are up to date in Soldo
- Make sure they’re set as an assignee on any expense centre card they use
How do I update a user’s mobile number?
- Log into the Soldo Web console
- Select Configure from the menu and click Users
- Select the user
- Under the Profile tab, enter the updated number in the Mobile number field
- Click Save
How do I add/remove assignees for expense centre cards? (Soldo admins only)
- Log into the Soldo Web console
- Select Manage from the menu and click Expense centres
- Select the expense centre
- From the Cards tab, select the card
- Click the Assignee section
- In the popup window, select all the users you'd like to add as assignees
- Click Save
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 e.g. 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 allows us to make sure that it’s really you that’s using your Soldo card!
In line with PSD2, services that take payment from the European Economic Area need to implement SCA by 31 December 2020. Services that take payment from within the UK need to implement SCA by 14 September 2021.
The Mastercard® SecureCode window hasn’t appeared on the merchant page. What should I do?
Don't worry. Some online merchants don’t participate in Mastercard® SecureCode, or they may use different rules to determine which transactions should be challenged. Just make sure that the Mastercard® SecureCode pop-up hasn't been blocked by your browser.
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 an expense centre card, you’ll get a verification request every time the card is used online, even if it wasn’t you making the transaction. You can decide to accept, reject, or ignore this. We suggest that you discuss what you should do in these situations with your Soldo admin.
Can a payment be approved twice?
No. If an expense centre card has many assignees, the verification request will expire as soon as one of the assignees 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 the additional 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. However, in some cases, it may take a little time for all systems involved to be updated.
Therefore, we recommend you wait a few minutes after updating your mobile number before trying to buy something online with your Soldo card.
What if I don’t have phone signal?
You’ll have to wait until you have mobile coverage before you can pay online with your Soldo card.
We understand that this may not always be convenient, but it’s important for protecting you and your money.
My question isn't answered here...
We’re here to assist you. Send us your question via the in-app chat or email us at email@example.com. We’ll be happy to hear from you.