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The way you pay online is changing

Make sure you know what to do

Find out about a new way to help protect you from fraud when you pay for things online.

Why are online payments changing?

Later this year, new regulations on payment services will come into effect. The changes will help protect you from fraud, as sometimes you’ll be asked to prove it really is you when making some online purchases.  

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

  • The Barclays app – confirming it’s you takes just a few taps with our secure app. If you don’t already have the app, you can download it from your app store

  • Text message – we’ll send a code to your mobile for you to enter on the payment screen to confirm your identity

  • PINsentry card reader – if you have a Barclays PINsentry card reader, you can use it to generate a code that confirms it’s you. You’ll need to have the card reader, debit card and PIN ready when asked to verify it's really you making the payment

How does it work?

Once you’re ready to pay, enter and confirm your card details as normal. When that’s done, a verification screen will ask you to confirm it is you, using one of these three options.

The Barclays app

  1. Choose ‘Barclays app’ and select ‘Next’

  2. We’ll send a secure notification to your phone – tap it and log in as usual, and we’ll ask you to confirm the payment. If you don’t get the notification, you can log in and tap the bell icon at the top of the screen to see the payment confirmation request

  3. Once you’ve confirmed it’s you, your payment will be processed

How to get ready for this
All you need is the Barclays app.  If you don’t have it, download it now. You can also make sure your phone is set up to let us send you notifications from the app.

Text message

  1. Choose ‘Receive a code by text message’ and select ‘Next’

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

  3. You’ll receive a text message with the verification code you need to enter into the verification screen

  4. Once you’ve entered the verification code, follow the on-screen instructions to complete your payment

How to get ready for this
Make sure we have your up-to-date mobile phone number. We can only send verification codes to the number we have stored for you.

PINsentry card reader

  1. Choose ‘PINsentry card reader’ and select ‘Next’. You’ll see an eight-digit code that you’ll need in a second

  2. Slide your card in to your card reader, chip-end first, and press ‘Respond’ on the keypad

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

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

  5. Once you’ve entered the code, follow the on-screen instructions to complete your payment 

How to get ready for this
You’ll need your PINsentry card reader, debit card and PIN ready to confirm it is really you making the payment. You can order a new card reader if yours is lost or broken, or if you need an accessible card reader.

PSD2 business payments

The Payment Services Directive (PSD2) is designed to help your business take payments more securely.

Find out how this industry-wide regulation will affect your business.