On 14 September 2019, a new payment regulation will take effect in the EU. Known as Strong Customer Authentication (SCA), its goal is to reduce fraud and make online payments more secure.
Any company selling services online, like TravelPerk, is required to implement 3D Secure (3DS) for card payments.
What is 3DS?
3D Secure (3DS) is a fraud prevention measure for online payments. It is currently a legal requirement in the European Union.
This means that before charging your card, the issuing bank may ask you to verify your identity by providing a security code. This code is typically a few numbers sent to the mobile phone associated with the card, but will depend on your bank.
It also means that if you want TravelPerk to book services on your behalf, you have to provide us with permission to charge your card.
Is verification always required?
Not always. It depends on several factors including the transaction amount. With the new version of 3DS (3DS 2.0), banks also check various other factors to determine if they need to do a verification check.
Using a personal card on TravelPerk
3D Secure makes your online payment more secure, so you will have even less to worry about when using your personal card. Just keep in mind a few things:
- Permission: we need your explicit permission if you want us to use your card to book any special services you request.
- Paying with your personal card: remember to keep your phone nearby as you may be asked to complete a verification check.
Using a shared company card on TravelPerk
With 3D Secure, it might not be straightforward if several colleagues in your company use just one company card. However, we’ve put some measures in place to ensure smooth payments with your company card.
You’ll need to indicate a code owner for each card. A code owner is someone who has access to the phone associated with the card and can perform the identity verification during payment. Code owners, for security reasons, need to have a TravelPerk account and belong to the same company.
They will receive an email notification whenever a colleague is trying to pay and needs help with verification.
For more information on adding, editing, or paying with cards, see the articles below: