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Making online payments more secure

New EU payment regulations will soon change how you pay for goods and services online. The changes are to help protect you from fraud and will mean you’ll be occasionally asked to prove it’s really you when making online transactions.

There are three ways to prove it’s you. The quickest and easiest way is using the Barclays app1.

  • The Barclays app - Confirm it’s you in just a few clicks via your secure app. If you don’t have the app, you can download it from your app store2. You can also use the Mobile PINsentry feature in the Barclays app3. You can find this in the ‘Quick Links’ drop-down menu once you have logged in

  • SMS one-time passcode4 - If you have given us your correct mobile number, we can send you one-time passcodes by text message to confirm your online transactions

  • Barclays PINsentry - If you have a PINsentry card reader, you can use it to generate a code that confirms it’s you making a payment. When asked to verify a transaction, you’ll need to have your card reader, debit card and your PIN ready. If you don’t already have a PINsentry card reader, you can order a new or replacement PINsentry through your online banking or by speaking to your Private Banker.

How does it work?

When making an online payment, enter your card details and confirm them as usual. Then, a verification screen will ask you to confirm it is you using one of the options available to you.

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Notifications via the Barclays app

  1. Select ‘Barclays app’ and then click ‘Next’

  2. You’ll receive a notification in your Barclays app. Open the app and click on the bell icon at the top of your screen to see the payment confirmation request

  3. Once you’ve confirmed that it’s you making the payment, it will be processed.

Make sure you're prepared
You'll need the Barclays app. If you don't have it, download it now.

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Mobile PINsentry – the Barclays app

  1. Choose ‘Mobile PINsentry’ and select ‘Next’. You’ll see an eight-digit code that you’ll need shortly

  2. Log in to the Barclays app and select ‘Mobile PINsentry’ in the ‘Quick Links’ section

  3. Select ‘Respond’

  4. For security reasons, repeat the verification you use to log into the app

  5. Enter the eight-digit code received in step one

  6. Your Mobile PINsentry will create an eight-digit code. Enter this into the ‘Verified by VISA’ window on your screen and select ‘Enter’

  7. After entering the code, follow the instructions to complete your payment.

Make sure you're prepared
You'll need the Barclays app. If you don't have it, you can download it now.

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SMS message

  1. Select ‘Receive a code by text message’ and then tap ‘Next’

  2. You’ll see a new message on the verification screen telling you that a verification code will be sent to your mobile phone

  3. You’ll get a text message with a code to type into the verification screen

  4. Once you’ve typed in this code, follow the instructions to finalise your payment.

Make sure you’re prepared
Ensure we have your up-to-date mobile phone number. We can only text verification codes to the phone number you’ve given us. Add a new or updated mobile number anytime via your online banking or by speaking to your Private Banker.

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Your PINsentry card reader

  1. Select ‘PINsentry card reader’ and then tap ‘Next’. You’ll be given an eight-digit code that you’ll need in a second

  2. Put your card into the card reader, with the chip end going in first, then click ‘Respond’ on the keypad

  3. Type your card’s PIN into the card reader and select ‘Enter’. Then enter the eight-digit code provided by the Verified by Visa window on your screen and select ‘Enter’

  4. Your card reader will display a new eight-digit code. Type this into the space shown on the Verified by Visa window and press ‘Submit’

  5. After typing in the code, follow the instructions to finalise your payment.

Make sure you’re prepared
You’ll need to be equipped with your PINsentry card reader, debit card and PIN to prove it’s really you making a payment. If your card reader is lost or broken or you would like an accessible card reader, you can order one through your online banking or by speaking to your Private Banker.