When making an online purchase on Ecenica using your debit or credit card, you may encounter a request for verification through a system like Visa Secure. This additional step is designed to confirm your identity and enhance the security of your online transaction with Ecneica.
This guide provides an overview of Strong Customer Authentication (SCA) for secure online shopping, covers the verification process using your banking app, and offers basic troubleshooting tips to ensure a smooth experience while safeguarding against fraudsters and scammers.
Understanding Strong Customer Authentication (SCA):
Strong Customer Authentication (SCA) is a regulatory requirement for financial institutions. SCA aims to bolster the security of online transactions and protect you from potential fraudulent activities. It involves an extra layer of verification during the payment process to ensure that only legitimate users can complete transactions.
Why You Need to Authenticate:
When prompted for verification during an online purchase, it’s simply your bank’s way of confirming that you are the valid cardholder. This step helps prevent fraudsters and scammers from using your card details for activities that are not genuine.
Typical Methods of Authentication:
There are several common methods through which authentication codes are delivered:
- SMS (Text Message): The code is sent to your mobile phone via a text message.
- Email: The code is delivered to your registered email address.
- Banking App: Some card issuers use their mobile banking apps to generate and display authentication codes.
How to Verify Using Your Banking App:
The fastest and most convenient way to complete the verification process is by using your bank’s official mobile banking app. Here’s how it works:
- During Checkout: When asked for verification, opt to use your banking app.
- Open Your App: Launch your bank’s mobile banking app on your smartphone or tablet.
- Follow the Instructions: The app will guide you through the verification process. You might be required to confirm the transaction by entering a one-time code or using biometric verification (such as fingerprint or facial recognition).
- Complete Your Purchase: Once verified, return to the merchant’s website to finalize your purchase.
Missing Authentication Code during Payment:
- Retry the Payment: If you did not receive the authentication code, please attempt to place your order again. Make sure you carefully enter your payment details and double-check the contact information stored at your Bank.
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Check with Your Bank: If you still do not receive the code, it’s advisable to get in touch with your card issuer’s customer support. They can confirm whether the authentication code was generated and sent, and they might be able to assist you with any issues related to code delivery.
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Update Contact Information: Ensure that your contact details saved at your Bank are correct, especially your phone number and email address. This will help ensure the successful delivery of future authentication codes. Note if requesting a code by SMS or email, the code will be sent to the contact details stored at your Bank.
Please Note: The authentication code is sent by your card issuer, not by our platform (Ecenica). We do not control the code generation or delivery process; it is solely managed by your card issuer for security reasons.
