Making online payments safer

To help make online shopping safer and more secure for everyone, some changes are being made to the way you pay. 

In the future, you may be asked to confirm it’s really you when paying for your sessions. This could be via SMS or through your banking app. Make sure you’re ready by checking that your bank has your correct mobile phone number.

What is the Payment Services Directive (PSD2)?

The Payment Services Directive is a set of EU laws and regulations designed to help protect onilne payments from fraud. The new update aims to help make online shopping even safer, smarter and more secure.

What is 3D Secure (3DS)?

3D Secure (3DS) requires customers to complete an additional verification step with the card issuer when paying. Typically, you will be directed to an authentication page on your bank’s website, and you enter a password associated with the card or a code sent to your mobile phone. 

3D Secure requires 2 factor authentication, and will ask users for 2 out of 3 pieces of information to complete your transaction:

• something the user is - for example their fingerprint
• something the user has - for example their phone
• something the user knows -  for example a password

These authentication steps will be required for all transactions processed via a credit/debit card and digital wallets such as Apple Pay and Google Pay

Will this change my experience with My Online Therapy?

We are doing everything we can to ensure that our clients can contine to book sessions, pay invoices and self-care subscriptions as seamlessly as possible. However, for security, you may occasionally be asked to confirm it's really you when paying for your booking online. This may mean you're asked to verify some informatrion to complete your transaction such as confirming a 4 digit code that has been sent to your registered mobile or using your fingerprint within your banking app. Make sure you’re ready by checking that your bank has your correct mobile phone number.

These authentication steps will be required for all transactions processed via a credit/debit card and digital wallets such as Apple Pay and Google Pay

What can you do to get ready?

It's important you keep your personal details held by your bank up-to-date. Check that they have the correct contact details including your mobile number linked to your payment cards and banking app. This will help any identity checks during the payment process as quick and secure as possible.