In line with EU requirements, customers need to authorise online payments by using a two-factor authentication process.
This requirement has been in place since 2019, and you may have encountered this more and more since 2021 as the trigger limit was lowered from €500 to €30.
This requirement helps prevent fraud on the card and adherence to EU regulations.
As part of the two-factor authentication process when submitting a payment online you will need to confirm your identity.
Once you are ready to pay, enter and confirm your card details as normal. Once complete, a verification screen will ask you to confirm your identity using one of three options:
Use the PINsentry card reader
If you have a Barclays PINsentry card reader, you can use it to generate a code that confirms it is you.
You’ll need to have the card reader, payment card and PIN ready when asked to verify it's really you making the payment.
Receive a code by text
Barclaycard will send a code to your mobile for you to enter on the payment screen to confirm your identity.
Your mobile number must be registered with Barclaycard in order to authenticate via text.
If you would like us to register your number with Barclaycard, the cardholder must request this via email at email@example.com.
Use the Barclaycard for Business app
If you don’t already have the app, you can download it from your app store.
Your mobile number must be registered with Barclaycard in order to be able to use the app.
If you would like us to update this information with Barclaycard, the cardholder must request this via email at firstname.lastname@example.org.
It can take up to 10 days after you register for the app for Mobile PINsentry to appear in it.
Please be aware three incorrect authentication attempts will lock the card for online purchases.
To unlock the card the main cardholder will need to call Barclaycard on 0800 008 008 or flag with us by contacting your Account Manager.
You can also unlock the card at any ATM, using the option "PIN services".
You can send an email marked for their attention to email@example.com, call our inbound phone line Monday to Friday between 10am and 4.30pm, or book a call.
The card will unlock itself after 24 hours, so you can try again the next day without taking any action.
If you've never been prompted to authenticate an online purchase please get in touch.