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The Payment Services Directive 2 (or PSD2 for short) is a piece of European Union (EU) legislation that aims to make banking safer, more transparent, and more innovative. The legislation introduces a way to protect individuals and businesses when they transact online.
The eCommerce Strong Customer Authentication (SCA) requirements, as part of PSD2, were scheduled to come into force from 14 September 2019. The deadline was previously extended by 18 months. However, in May 2021 the FCA announced they have agreed to delay the enforcement further until 14 March 2022 in the UK to help provide support to merchants from the impact of Covid-19. The deadline for the rest of the European Economic Area (EEA) was 31 December 2020.
One of the new safeguards is called Strong Customer Authentication (or SCA for short). This provides extra protection against fraud when transacting online. In the past you may have used a single password to complete a payment. Now you will be asked for two factor strong customer authentication (see details below) when you make purchases over the internet or when you need to service your account online.
PSD2 is an industry-wide directive, which all banks will be obliged to follow. That said, we have been preparing well in advance to ensure everything is in place before 14 March.
Our aim is to achieve a balance between managing risks and maintaining the speed and convenience that transacting online provides – and customers now expect.
Since 2012, ecommerce fraud in the UK has doubled1. So new legislation is being introduced to make transacting online safer and more secure.
That’s where Strong Customer Authentication (or SCA) comes in. Put simply, SCA will require an individual to use an additional authentication step to verify online payments or to login to their accounts online. It means that online payments and account servicing will be more secure than just using a single element, such as a simple password authentication.
When transacting or servicing your account online, SCA will require two things from the following three elements:
• something you know – e.g. a password or a PIN
• something you have – e.g. a phone or PINsentry device with your Barclaycard
• something you are – e.g. a fingerprint or face recognition
For example, when paying online, you could use a password (something you know) or your PINsentry card reader with your Barclaycard (something you have) to authenticate your payment.
It’s a similar process when you log into online servicing. You could use a PIN (something you know) or your PINsentry card reader with your Barclaycard (something you have) to confirm your identity.
SCA aims to provide greater protection against fraud. Online card fraud is on the rise, and the safeguards within Strong Customer Authentication will give both businesses and consumers greater protection and reassurance.
No one wants to put obstacles in the way of paying. These extra checks will help protect your business from fraud and should, at most, only add up to a minute or so to your activity.
If your online purchase is considered low value, it’s likely that you won’t need to authenticate your transaction (you’ll be prompted if you do need to). There are also a few other exemptions to needing to authenticate twice: See section ‘What are the exemptions?’ for further information.
No, you can’t. This is because SCA is part of new Europe-wide legislation (the revised Payment Services Directive, or PSD2) that changes how people make payments or service their accounts online. The new regulations will apply to all payments, not just those processed by Barclays and Barclaycard.
2FA (it stands for two-factor authentication) is the method used to ensure Strong Customer Authentication.
You’ll use two of the following methods when authenticating online – to make doubly sure it’s you. When authenticating, the options available are from:
1. Something you know, e.g: Password
Passphrase
PIN
Secret fact
2. Something you have, e.g: Mobile phone
PINSentry card reader with your Barclaycard
Wearable device
Smart card
Token
For example, you could pay online using your Barclaycard PIN (something you know), and then your PINsentry card reader with Barclaycard (something you have).
No, not every transaction. Thanks to our comprehensive view of the payments landscape, Barclaycard will be able to apply a number of exemptions – based, for example, on the size of the transaction or the potential for fraud. These will be applied automatically, without the cardholder having to do anything. See ‘What are the exemptions?’ section for further information.
There are occasions when SCA won’t be necessary. These include things such as:
1. When it’s low-risk. Some transactions, following real-time risk assessment, will be judged to be low risk.
2. Recurring payments. A series of payments of the same amount to the same merchant (such as subscriptions and membership fees) are exempt, although the initial setup will require SCA.
3. Secured corporate payment exemption. Secure payments which are made through a dedicated payment protocol by businesses may be exempt from SCA.
4. Low Value Transactions. SCA is not mandated for transactions less than the equivalent of £25 (€30), However, SCA is required if the cumulative total exceeds the equivalent of £85 (€100) since the last SCA.
In many instances, people buying online won’t notice any difference. On those occasions when it’s required, SCA should only add up to a minute or so to the checkout time – a small price to pay for the increased safety and security.
No, such transactions, known as Mail Order Telephone Order (MOTO), are out of scope of PSD2 and Strong Customer Authentication (SCA) so there will be no changes to order via mail or telephone.
When a cardholder signs up for a subscription with their Barclaycard, the initial mandate will require authenticating using SCA. Further transactions initiated by the merchant will not need this authentication. If your card number or expiry date changes, the subscription will need to be updated with the new card details.
Embedded cards are not impacted by SCA. However, cards that are ‘saved’ in a merchant’s website are not considered to be embedded cards and will therefore require SCA on applicable transactions.
No, travel management products (lodge card) fall within an exemption for PSD2 and SCA and therefore SCA is not required, as long as the fraud levels remain low on these products.
New legislation being introduced in the European Union (called PSD2) aims to make online transactions and servicing much more secure. As a result of this, we’re sending you a new card which has a new chip with enhanced security features. This will replace your existing card, which you’ll need to destroy and dispose of securely.
New European Union (EU) legislation called the Payment Services Directive version 2 (PSD2) is being introduced on 14 September 2019. It aims to make online purchasing and banking much more secure. The legislation includes Strong Customer Authentication (SCA), which requires customers to authenticate their online transactions. A PINsentry card reader is a key part of this authentication process.
You can start using your new card straight away – it’s all set up and ready to go. Make sure you dispose of the old card securely by cutting through the chip and magnetic strip. Your old card will become inactive within 30 days of receiving your new one.
The PINsentry card reader will play an important role in helping you to authenticate online, if needed. You’ll be receiving one soon – keep it safe for when it’s needed.
Your new Barclaycard Commercial card has been upgraded with a new chip to give you an extra layer of security when making payments or servicing your account online. To help better protect you against fraudulent transactions, you may also be asked to enter your PIN more frequently when making contactless payments. You should stop using your old card, cut through the chip magnetic strip and dispose of it safely when your new card arrives.
No it won’t. Your PIN will stay the same. If you’ve forgotten your PIN and would like a reminder, give us a call on 0800 008 008 or +44 1604 269452 from outside the UK (24/7) from a mobile.
If you’d like to change your card’s PIN, head to any UK cash machine and follow the instructions on the screen.
Yes, you’ll need to update any regular payments that you have set up with your new card details. You can do this by contacting the business you’re making those regular payments to.
It’s a small handheld device. It uses your card to generate unique eight-digit codes that help you authenticate your identity and transactions online, when you need to.
New European Union (EU) legislation called the Payment Services Directive version 2 (PSD2) is being introduced on 14 September 2019. It aims to make online purchasing and banking much more secure. The legislation includes Strong Customer Authentication (SCA), which requires customers to authenticate their online transactions. A PINsentry card reader is a key part of this authentication process.
You’ll need to use your PINsenrty card reader to authenticate yourself for online transactions and banking. When you insert your card into the reader, the device will prompt you to enter your 4-digit PIN number. It will then generate a unique eight-digit code for you to use to complete your transaction or log in to your account. A different code will be generated each time you use the PINsentry card reader.
You don’t need to report your device as lost or stolen – just ask us for a new one. There’s no risk of fraud because it’s not linked to your account. You can order a replacement by contacting us on 0800 008 008.
No, you’ll need both your online servicing details and your PINsentry card reader to log in. Please get in touch with us on 0800 008 008 if you need a reminder of your username.
If the batteries in your PINsentry card reader have run low, you can either order a replacement by contacting us on 0800 008 008 or +44 1604 269452 from outside the UK (24/7) or replace the batteries. Replacing them is straightforward. You’ll need four LR44 (1.5V) batteries and a small screwdriver.
Use the screwdriver to remove the screw on the back of your PINsentry card reader, so you can take off the battery cover. When you replace the batteries, just make sure you put them in the right way up.
Yes, there is. This version of the card reader will give you audio prompts to help you through the authentication process online. If you have received a standard PINsentry card reader but require an accessible version, just get in touch with us on 0800 008 008 or +44 1604 269452 from outside the UK (24/7). as we’ll send you one.
If you need an accessible version of a PINsentry card reader, please get in touch with us on 0800 008 008 or +44 1604 269452 from outside the UK (24/7) and we’ll send one out to you.
Your account and card details are not linked to any PINsentry card reader. There will be no security risks if you lose or misplace your device. If you haven’t received one or it’s lost, just call us on 0800 008 008 or +44 1604 269452 from outside the UK (24/7) and we’ll send you one.
You get three chances to enter your PIN correctly – after that, your account will be locked. To unlock your PIN, you need to visit a Barclays cash machine. You need to enter the correct PIN, select ‘PIN services’ and follow the instructions on the screen.
The PINsentry card reader you received is a standard device, but we also have an accessible version with voice prompts and a larger screen and keypad. If you require an accessible device, just call us on 0800 008 008 or +44 1604 269452 from outside the UK (24/7) and we’ll send you one.
If you require an accessible device with voice prompts and a larger screen, just call us on 0800 008 008 or +44 1604 269452 from outside the UK (24/7) and we’ll send one to you.
The accessible PINsentry card reader is larger than the standard device. It has a larger screen to display the prompts and digits and the buttons on the keypad are also larger to help you select these with more ease. There is a speaker which tells you the next steps and also a headphone slot for you to connect your wired headphone to help hear the prompts clearly if you are in a noisy area. You can control the volume using a scroll button on the side of the device.
The return address is on the top left hand corner of the envelope you received your device in. If you no longer have the envelope, just pop you PINsentry card reader in an envelope and address it to:
Freepost RSRZ-GKUY-TRZL
Communisis PLC
Balliol Business Park
Benton Lane
Newcastle upon Tyne
NE12 8EW
This is a freepost address, so you don’t need to attach a stamp or pay for postage.
There are several reasons why this may have happened:
Damaged card
If your card is damaged, you’ll need to order a new one. You can do this by calling Customer Services on 0800 008 008 or +44 1604 269452 from outside the UK (24/7) and we’ll send you one.
Old card
If you’ve had the card for a long time, the chances are your chip may have stopped working. Old chips are often incompatible with a PINsentry card reader. You’ll need to order a new card using the details above.
Wrong card
You’ll need to use your current Barclaycard that is Chip and PIN enabled. If you don’t have the correct card, just call us using the details above.
Here’s how you can authenticate for online servicing using a PINsentry cardreader:
When prompted by the online servicing page you’re visiting, enter the last 4 digits of your card number on the screen and pop your Barclaycard or your authentication card into your PINsentry card reader with the chip facing down and press Identify.
The card reader will then ask you to enter your card’s PIN. This is the PIN you’d usually enter into a card terminal when making in-store purchases. Once you’ve entered this, press Enter.
You’ll then be shown a unique eight-digit code on your PINsentry card reader’s screen. Put this code into the box provided in the online servicing page.
That’s it – your authentication should be complete.
If you input your authentication code incorrectly the first time, you will have four further attempts to enter it correctly. After five failed attempts your account will be blocked and you will need to contact Customer Services on 0800 008 008 or +44 1604 269452 from outside the UK (24/7).
PSD2 will apply to online banking and most global online payments made with a European issuer. Because Barclaycard is a UK card issuer, the new legislation will affect any transaction using one of our cards – even if you live or use it on the other side of the world. In preparation for PSD2, we will be sending you a new Barclaycard.
Your new Personal Identification Number (PIN) is for use with your new card. From now on when you use your new card to make in-store payments you will need to enter this 4-digit PIN into the merchant’s card terminal. If the merchant’s card terminal is not PIN enabled, you can still sign for your purchases.
Using a PIN aims to identify genuine cards and help combat fraud. Your PIN is unique to your new card. When making a transaction, the Chip technology embedded in your card checks the PIN you entered in the keypad against the PIN held on the chip. This verifies your identity instead of checking a signature on a receipt.
It’s on its way and should arrive shortly after you receive your PIN. If your Barclaycard Commercial card doesn’t arrive within 30 days, please call 1-877-821-6566 and let our Customer Services Team know
No, your 4-digit PIN is for in-store payments only and should not be provided to any online merchant. You should ensure you PIN is kept secure and not shared with anyone.
Once your new card arrives, you need to destroy your old card securely by cutting through the chip and magnetic strip and disposing of it safely. Please bear in mind that your old card will become inactive within 30 days of receiving your new one.
It’s a small handheld device which identifies your card and PIN to generate unique eight-digit codes that help you authenticate your identity and transactions online, when you need to.
PSD2 legislation includes Strong Customer Authentication (SCA), which requires customers to authenticate their online transactions. At the moment, you may only use one authentication method such as a password to access online banking and transactions. However, SCA will require an additional step and a PINsentry card reader is a key part of this authentication process as it is one of the methods for use with your Barclaycard.
When authenticating yourself online, you’ll need to insert your card into the device and it will prompt you to enter your 4-digit PIN. It will then generate a unique eight-digit code for you to use to complete your transaction or log in to your account. A different code will be generated each time you use your PINsentry card reader so there is no need to remember it or write it down.
No. There’s no charge for your PINsentry card reader device and it will be sent to you shortly after you receive your new card. Your card, PIN and PINsentry card reader will all arrive separately.
You can log in with your username, password and a six-digit verification code sent to your mobile phone. To do this, please ensure we have your up-to-date mobile number so we can send this to you when you request it. You can update your details in CentreSuite by clicking on your name in the top right hand corner of the home page and selecting ‘edit personal information’.
You will be unable to log in to Centresuite without a one-time verification code sent by text message. As part of the EU legislation, PSD2, you will require two forms of authentication. A single authentication such as a username or password will not be sufficient to comply with legislation.
Currently, the only way to access Centresuite is by entering a one-time verification code sent to your mobile by text message when you are logging in. You may be able to move to either Barclaycard Spend Management (Visa) or Barclaycard Commercial Online Services (MasterCard). These platforms require your card details and a verification code from a PINsentry card reader. If you would like to do this, please contact your Barclaycard Relationship Manager.
Time out messages appear when your account has been inactive for five minutes. This helps to keep your account protected. If your session times out, just log in again.
Centresuite and Precisionpay do not require a card to log in.
You will only need your new card to log in to Barclaycard Spend Management, Barclaycard Commercial Online Servicing or Barclaycard Precisionpay Reporting.
If you don’t have a Barclaycard Commercial card, you will need an Authentication card. If you have not received one, please contact us on 0800 008 008 or +44 (0) 1604 269 452 from abroad (24/7).
It’s a new way to help you confirm your identity when accessing Barclaycard online servicing. You’ll need the authentication card to confirm it’s really you whenever you log in, giving you an extra layer of security. It has a zero credit limit and is used for verification step only. You won’t be able to make any payments with it.
If you have a transactional card and you also service your account online, you won’t receive a separate authentication card. You will just use your Barclaycard Commercial card to log in to online serving.
No, you won’t be able to make any transactions or purchases online or in store with it. The authentication card is used for access to online servicing only.
If you need an Authentication card for servicing your company’s account online, ask the administrator of your company’s Barclaycard Commercial account to request one through their online servicing account. You will then be sent an Authentication card, PIN and PINsentry card reader. Delivery may take 7 to 10 business days.
You should’ve received a PINsentry card reader in the post. If it hasn’t arrived or it’s lost or broken, you can order a replacement by calling us on 0800 008 008 or +44 1604 269452 from outside the UK (24/7). We’ll then deliver the card reader to your registered address.
In the meantime, you can still use your current login password and memorable word to log into Barclaycard Business Online Servicing. Just keep in mind that you won’t be able to complete some actions without your PINsentry card reader once you’re logged in. These include viewing your PIN and changing your contact details. Once you have received your PINsentry card reader, you will no longer be able to log in with just your username and memorable password.
This is an extra layer of security that helps us keep your account secure. It’s being introduced as part of new EU legislation, the revised Payment Services Directive, which requires you to make additional checks for online transactions, high fraud risk activities and online servicing. The additional check is to make doubly sure it’s you.
You only have five attempts to log into your online servicing account. After five unsuccessful attempts, you’ll need to give your account time to reset. You don’t need to call us, it will automatically reset and can take up to an hour to do this.
It may be that the view PIN has timed out - to keep it secure, your PIN is only shown on your screen for five seconds. If you missed it, you’ll need to authenticate yourself so you can view it again.
If you’re logging in again for the first time using the extra verification step, you will need to clear your cache in the internet browser to first. You can do this quickly by clicking on the ‘Tools’ or ‘Settings’ option in your internet browser. If you are unsure call us on 0800 008 008 or +44 1604 269452 from outside the UK (24/7).
A Third Party Access (TPA) platform allows your account information from other banks to be shown in one place, so you don’t need to sign in to other online servicing accounts or apps separately. You will need to give consent for this information to be shared so you can view it in one place. This is a new step that helps us keep your account and details secure. It’s also a requirement of a new EU legislation called the revised Payment Services Directive (PSD2), which requires you to verify yourself when making payments and servicing your account online.
You can cancel a consent form at any time through Barclaycard Online Servicing. You’ll be able to see the status of all your consents here, including whether they are active or inactive and the time remaining on each consent form.
If you have a Barclays Bank account or a personal Barclaycard you may be able to use the Mobile PINsentry option. If you can see your Barclaycard commercial account details in your Barclays app you can select and use the Mobile PINsentry. If you cannot see your Barclaycard Commercial account details in your Barclays app, then contact us to update your details to link the two accounts on 0800 008 008 or +44 1604 269452 from outside the UK (24/7).
You can use the Barclays app or a PINsentry card reader to authenticate yourself when making payments or accessing your account online.
If you don’t have the app, but you do have a Barclays Bank account or a personal Barclaycard, you can download it from your app store. If you don’t have a Barclays account or a personal Barclaycard, you cannot use the app.
Sorry, but the Mobile PINsentry option is not available on the Barclaycard app. It is currently only available on the Barclays app. If you have a Barclays Bank account or a personal Barclaycard you can use Mobile PINsentry in the Barclays app to verify yourself when making payments or accessing your account online.
If you cannot see your Barclaycard Commercial card account in the Barclays app, then contact us to update your details to link the two accounts on 0800 008 008 or +44 1604 269452 from outside the UK (24/7). If you don’t have a Barclays Bank account or a personal Barclaycard you can use your PINsentry card reader instead.
Yes, you can link your accounts together in the Barclays app. To do this, you’ll need to get in touch with our support team on 0800 008 008 or +44 1604 269452 from outside the UK (24/7). Unfortunately, you can’t link your accounts together in your online servicing account.
As a result of the new EU legislation called PSD2, we have changed the way you access online servicing. There will now be a new log in page and you will be required to verify yourself by using your Barclaycard Commercial card or Authentication card and your PINsentry card reader. When you have logged in, you can select the servicing platform you need and continue as normal.
If you use Barclaycard Spend Management, Barclaycard Commercial Online Servicing or Barclaycard Precisionpay Reporting (SNAP), you will be able to access them through the new log in page – you don’t need to log in separately.
There is no change to the log in page for Centresuite or Precisionpay.
No. The BCos log in page is still live, but you will not be able to log in to your account using this page. The PSD2 regulation requires two forms of authentication to log in to online servicing, but this is not available through the current BCOS page. If you try to log in using the existing page, your log in attempt will fail. You should use the new log in page to access BCos.
No, when you try to access the log in page for SNAP, you will be redirected to the new single sign-on page. Once you have authenticated yourself and logged in, you will be able to select SNAP from the homepage and continue to your usual SNAP homepage.
No. The BSM log in page is still live, but you will not be able to log in to your account using this page. When you enter your log in credentials, you will see an onscreen message with a link to the new log in page.
All the online servicing platforms are provided by different companies, each offering different solutions and steps for online verification, Online verification steps are a requirement as part of the EU’s new regulation, the revised Payment Services Directive.
Time out messages appear when your account has been inactive for five minutes. This helps to keep your account protected. If your session times out, just log in again.
Yes, you will need your new card to log in. If you don’t have a Barclaycard Commercial card, you will need an Authentication card. If you have not received one please contact us on 0800 008 008 or +44 (0) 1604 269 452 from abroad (24/7).
You won’t need a card if you’re logging into Centresuite or Precisionpay.
Email addresses are used as account usernames and each account has a unique email address registered to it. If you require access to an additional account, you will need to provide a new email address which will then be assigned to your additional unique account.
After entering your username and password and you select ‘Take me to my account’, a message will appear at the bottom of the page which is a Pop Up Blocker. Select ‘Options for this site’ and click ‘Always Allow’. You will need to go back to the main login page for the amended settings to take effect. You should only need to do this once, then you will be able to log in and continue to your account as usual.
If we do not hold a valid mobile number, cardholders will have to rely on using a Physical PINsentry card reader as one of the two-factor authentication steps.
This happens when we don’t have relevant contact details registered to your account. Please make sure we have your latest mobile phone number and email address, so we can give you more options to authenticate online. You can update these details by calling us on 0800 008 008, +44 1604 269452 from outside the UK (24/7) or contacting your Barclaycard Relationship Manager. Barclaycard Business card customers can also update their details by logging into their online servicing account.
You have a total of three consecutive attempts to enter your OTP (one time passcode) correctly across your transaction history.
If you fail to authenticate yourself twice on any transactions, you will only have one attempt remaining for your next transaction. If you fail an authentication attempt three consecutive times, your account will be blocked from making any further online transactions. You’ll need to contact Customer Services 0800 008 008 or +44 1604 269452 from outside the UK (24/7) to unblock it. You can still use your card for contactless and Chip and PIN transactions and to log in to online servicing.
This means you’ve entered an incorrect authentication code three consecutive times in your transaction history and your account has been blocked from making any further online transactions. You’ll need to contact Customer Services 0800 008 008 or +44 1604 269452 from outside the UK (24/7) to unblock it. You can still use your card for contactless and Chip and PIN transactions and to log in to your online servicing accounts.
If your account has been blocked, you’ll need to contact Customer Services on 0800 008 008 or +44 1604 269452 from outside the UK (24/7) to unblock it.
You can still use your card for physical in-store transactions and telephone payments and to log in to online servicing. However, you won’t be able to use your card for online transactions until your account is unblocked.
Using a PINsentry card reader to make payments online
Here’s how you can authenticate for online transactions using your PINsentry card reader:
Checkout as normal and enter your card payment details.
Choose the ‘PINsentry card reader’ option on the payment screen in your browser and it’ll show an eight-digit code.
Pop your Barclaycard card into your PINsentry card reader with the chip facing down and press Respond.
The card reader will then ask you to enter your card’s PIN. This is the PIN you’d usually enter into a card terminal when making in-store purchases or when you’re using a cash machine. Once you’ve entered this, press Enter.
Type the eight-digit code from the payment screen in your browser or app into your PINsentry card reader and then press Enter.
Your PINsentry card reader will then display a new eight-digit code which you will need to type into the box on the payment screen in your browser.
That’s it – you’ve authenticated securely.
Have a look at our videos, if you need further information on how to authenticate yourself.
If you input your OTP (one time passcode) correctly the first time, you will have two further attempts to enter it correctly. After three failed attempts your card will be blocked from making any further online payments. You’ll need to contact Customer Services 0800 008 008 or +44 1604 269452 from outside the UK (24/7) to unblock it. You can still use your card for contactless and Chip and PIN transactions.
No, if you have failed to verify your identity three times using any method, you will not be able to start again using a different method for the same transaction. Your card will be blocked after three unsuccessful attempts with any method and you will need to contact Customer Services on 0800 008 008 or +44 1604 269452 from outside the UK (24/7). You can still use your card for contactless and Chip and PIN transactions.
Using a one-time verification code sent by SMS to make online payments
When making an online payment, behavioural biometrics review the unique ways in which you interact with your devices when you verify your identity. If you authenticate payments by receiving a one-time passcode sent by SMS, we will use behavioural biometrics in conjunction with this to check it’s really you who are making the payment.
We will ask you to type your email address when authenticating payments, which will allow us to build a profile of you over time based on key strokes and device usage. This reduces the need for other forms of authentication (such as memorised passwords) as we can use Behavioural Biometric Data to check it’s you who are making the payment.
You can update your mobile phone number by calling us on 0800 008 008, +44 1604 269452 from outside the UK (24/7) or contacting your Barclaycard Relationship Manager. Barclaycard Business card customers can also update their details by logging into their online servicing account.
If you have recently updated your mobile number with us, then you may not be able to use the new mobile number for authentication straight away. For security reasons, it could take up to seven business days for the new mobile number to be registered to your account for verification use.
You can update your mobile phone number by calling us on 0800 008 008, +44 1604 269452 from outside the UK (24/7) or contacting your Barclaycard Relationship Manager. Barclaycard Business card customers can also update their details by logging into their online servicing account. Ensure you also have good mobile signal before requesting the code.
If it’s been a few minutes since you requested the code and haven’t received it, you can select ‘Resend one-time verification code’ from the online transaction screen. If you still don’t receive a code, please call us on 0800 008 008 or +44 1604 269452 from outside the UK (24/7) and we’ll be happy to help.
You can request a maximum of three codes for each transaction. There is no limit on the number of times you use this authentication method on the history of your account.
If you input your authentication code incorrectly the first time, you will have two further attempts to enter it correctly. After three failed attempts your account will be blocked and you will need to contact Customer Services on 0800 008 008 or +44 1604 269452 from outside the UK (24/7).
No, if you have failed to verify your identity using any method, you will not be able to start again using a different method for the same transaction. Your card will be blocked after three unsuccessful attempts with any method and you will need to contact Customer Services on 0800 008 008 or +44 1604 269452 from outside the UK (24/7).
You can download the Barclaycard for Business App† through Google Play or App Store. To register for the App, it will only take a couple of minutes.
To register and begin using the App, you will also need a user name and a temporary password which will have been emailed to you but don’t worry if you have misplaced them, you can request a reminder by tapping on the "trouble singing in” section on the app login screen.
†Available on iOS and Android devices only. T&Cs apply.
If you don’t have the Fingerprint or Face ID on your phone or don’t have them enabled, you can use your mobile app user name and password to login to the app or approve the purchase.
You get 10 minutes to approve the purchase in the App. If you don’t approve within this time then your purchase is cancelled and no money leaves your account.
If you're registered for the app†, you'll see the 'Barclaycard for Business mobile app" option at the 'Confirm it's you' stage as you check out your online purchase.
Select that option and follow the on-screen instructions.
†Available on iOS and Android devices only. T&Cs apply.
Log into the app as usual and you'll see any outstanding authentication requests immediately. Select to 'Approve' or 'Reject' the authentication request.
If you have made multiple online purchases and chosen to authenticate them all in the app, click the ‘inbox’ option at the bottom of the app screen and select each request you would like to authenticate.
Don't forget to return to the merchant website and select 'Continue' to complete the purchase.
