From October 2020, we’re introducing 3D Secure (3DS) technology to make your online payments more secure. 3DS is an extension of Strong Customer Authentication (SCA), which was introduced earlier this year. While SCA protects your identity and data, 3DS protects you when making purchases online.
What does SCA mean?
SCA provides an additional layer of security. It verifies the spender’s identity using the mobile phone they registered with the service provider. You’ll already have encountered SCA if Soldo or your banking app has ever asked you to confirm your identity when logging in.
How does 3DS work?
Much like SCA is used when logging in, 3DS provides an extra security layer when making online payments. It does so by checking with the card owner that they’re aware of the online activity and asking them to approve it.
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 select a verification method.
- If you select the mobile app, we’ll send an approval request to the card owner’s Soldo app.
- If you select SMS, we’ll message a one-time code to the card owner’s mobile phone. The code will need to be entered in the SecureCode box on the screen.
How will 3DS affect you and your company?
From October 2020, spenders will need to verify their identity using one of two verification methods before the online payment they’re making can be completed.
To continue using their Soldo cards for online payments, card owners need to have the latest version of the Soldo mobile app installed on their phones. They’ll also need to check that their mobile phone numbers are up to date in Soldo.
How will 3DS work with expense centre cards?
As with individual user cards, you’ll need to verify your identity before you can complete an online payment using an expense centre card.
To receive the SMS verification request, you’ll need to be the default assignee. To receive a mobile app verification request, you’ll need to be listed as the card's assignee.
Contact your admin if you need to be added as an assignee.
What do you need to do?
Make sure that all your Soldo users' mobile numbers are up to date on the Soldo Web console. Check also that they have installed the latest version of the Soldo mobile app.
If you’re using expense centre cards, make sure that the cards’ assignees are updated.
Updating a user’s mobile number
To 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’
Setting up an assignee for an expense centre card
This is how a Soldo admin can update an expense centre card’s assignee:
- 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 a user
- Click ‘Save’
Why does Soldo use 3D Secure (3DS)?
3DS helps us prevent online fraud (like your card details being used without your permission) by adding an extra layer of security. With 3DS, we can make sure that it’s really you that’s using your Soldo card.
3DS is becoming a standard practice and is used by many card providers to reduce e-commerce fraud. We’re ahead of the curve: from the end of 2020, all card providers in the UK will be required, by law, to use 3DS.
I’m making a purchase online and no Mastercard® SecureCode window appears 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.
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 does it take to update my mobile number?
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.
Where can I read more about 3DS?
Mastercard® has some handy FAQs about SecureCode (the 3DS system we use).
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