As of August 1, 2023, all online VISA card payments that require user authentication will have to be confirmed within the Payhawk mobile app instead of over a received SMS.
Benefits
Increased security level over Touch ID or Face ID, or a static user password required when you log into the Payhawk mobile app.
Convenient authentication setup as now you don't have to copy a code received over an SMS and, then, paste it to the online payment dialog.
Notes on using 3D security with Payhawk
Upon opening the Payhawk mobile app, you may be required to update your Payhawk mobile app to its latest version.
3D security verification ensures that the person making the transaction is actually the cardholder, thereby significantly reducing the risk of fraud.
This additional verification is an automated process with the following specifics:
The merchant determines whether a transaction requires 3D Security, not Payhawk, as this is a merchant-driven process. Merchants have the flexibility to either request or bypass 3DS verification depending on their payment flow optimizations.
Payhawk cannot enforce or trigger 3D security verification unless it is initiated by the merchant.
3D security requests are sent as push notifications through the Payhawk app, not via SMS. Some merchants can optimize their payment processes by skipping 3DS.
Paying online using the 3D security technology
When you make an online transaction that is challenged and requires user authentication:
Payhawk sends a push notification to your mobile phone for authorising the pending online VISA payment.
Click on the link from the received push notification to open the Payhawk mobile app.
Alternatively, or if you don't have your push notifications enabled, go to the Payhawk mobile app directly and open it.
Within the next six minutes, confirm or decline the pending online payment by tapping the Confirm or Decline button respectively.
As a result, depending on your decision, the online VISA payment will either be approved or declined.
Even if 3D Security is not used during a transaction, users must monitor their payment activity and dispute unauthorized payments. Transactions processed without this additional security are often easier to contest.
Monitor your transactions regularly to ensure accuracy.
Freeze your card immediately upon suspecting unauthorized activity.
Dispute any suspicious transactions with your bank and provide evidence if needed.