Until now, to pay for online purchases by credit card, the customer had to confirm certain payments by entering a temporary code received by SMS (3D Secure procedure, applied to more than 50% of remote transactions).
Since May 15, 2015, a new so-called strong authentication procedure, resulting from the transposition of a European directive (EU directive n ° 2015/2366 of November 25, 2015, known as DSP2) has strengthened the verification of the customer's identity. .
Objective: to bring the fraud rate on remote transactions (0.17% in 2019) to the same level as for card payments in stores (0.01%).
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1. What changes for the customer?
To validate the transaction, the bank requests at least two identification elements among the three provided for under strong authentication.
This can be information that only you know (password, PIN code or secret question), the connection to a terminal that you own (usually a smartphone) or a personal characteristic.
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