New requirements are taking effect across Europe on 1st January 2021. A key part of this is the requirement Strong Customer Authentication (SCA). This means, as a Visa Cardholder, you may be asked to provide additional information when making some purchases.
Banks are introducing these new security measures for Visa cardholders who shop online or make contactless payments. This will help them ensure only you can use your Visa and give you even more confidence and protection when paying with Visa.
- Online: You may have to enter a passcode, which would be sent to your mobile phone or landline or authenticate your payment in another way, depending on how your Visa Card issuing bank has implemented the new security measures.
- In-store: For contactless purchases, you may be asked to enter your PIN more often.
You may be asked to take an additional security step to confirm you are you when making a payment using your banks’ chosen authentication method. This is called Two-factor authentication, which means you will have to provide information from at least two of the three categories below. Your bank will have informed you by now on how to do this. If they have not, please contact your bank.
