Debit card security

kirk. · 11-07-2023 9:46am #1

I get verification messages when buying mobile credit for example but nothing for amazon

Is there a more secure setup for online purchases

I've seen PSK mentioned and I saw a reference in the app to some new type of security which I can no longer find in the app 3D? Maybe

Edit: took me 15 minutes to press the right sequence find it again 3D secure

Bank of Ireland Reps · 11-07-2023 10:18am

https://www.boards.ie/discussion/2058304576/debit-card-security

Hi there, thanks for the message

You can only have either the Mobile Banking App or a PSK

The PSK is used for logging in to Banking 365 on a Desktop, instead of approving the login through the App, the PSK will generate a code for you to login.

Some retailers are not set up for 3D Secure. Thanks, Anna

kirk. · 11-07-2023 10:24am

Ok so is it worth bothering with 3D secure or will it complicate payments

Why does boi do random verification on purchases , some need it some don't

48 for example needs it everytime and this is a regular payment

Bank of Ireland Reps · 11-07-2023 11:24am

https://www.boards.ie/discussion/comment/120833879#Comment_120833879

Thanks for the message

May I ask if your card details are saved on Amazon ?

3D Secure is a layer of security to make online shopping safer.

If you previously approved a payment with your card and saved the card details, the payment will go through automatically. This would not trigger 3D Secure. Thanks, Anna

11-07-2023 11:25am

https://www.boards.ie/discussion/comment/120834418#Comment_120834418

to be fair that’s not entirely true either. I use my card with say Just Eat & would still be asked to approve in app. It appears to be random though.

kirk. · 11-07-2023 11:33am

https://www.boards.ie/discussion/comment/120834418#Comment_120834418

Yes saved on Amazon

Would 3D secure be triggered on Paypal

kirk. · 11-07-2023 11:34am

So will 3D secure improve security or cause problems then ?

That is the question

Bank of Ireland Reps · 11-07-2023 11:35am

https://www.boards.ie/discussion/comment/120834433#Comment_120834433

Hi there, thanks for the reply

I would advise to remove your saved card from Amazon in order to receive a swipe to approve notification.

Merchants can have different 3D Secure systems in place like Just Eat and Amazon. Thanks, Anna

kirk. · 11-07-2023 11:42am

https://www.boards.ie/discussion/comment/120834545#Comment_120834545

Hmm don't that would work on Amazon would it

Don't you have to have a card already added to make a purchase?

Bank of Ireland Reps · 11-07-2023 11:46am

https://www.boards.ie/discussion/comment/120834608#Comment_120834608

Thanks for getting back to me. Can you please check your Saved Cards on the app ? Also, can you please confirm the amount of the purchase ? Thanks, Anna

kirk. · 11-07-2023 11:51am

https://www.boards.ie/discussion/comment/120834657#Comment_120834657

I've a boi card saved I use Amazon every week?

I checked you can't checkout on Amazon without a card saved

Is it worth going ahead with 3d anyway

Bank of Ireland Reps · 11-07-2023 12:33pm

Hi there, thanks for the message

You should be able to remove a saved card from your Amazon account. I would advise to contact their support team for assistance on this. Thanks, Anna

The Continental Op · 11-07-2023 1:01pm

@kirk. What could potentially go wrong with an Amazon transaction without extra security?

Provided you have a decent password for Amazon and a different decent password for your email what can go wrong?

A hacker would need access to both passwords to change your address otherwise anything they order will come to you and you'll get a notification, if that happens you can cancel the transaction at that point. Amazon do mess up but its rare and normally sort it out quickly.

kirk. · 11-07-2023 1:13pm

https://www.boards.ie/discussion/comment/120835410#Comment_120835410

I'm not overly concerned about amazon at all I have 2 factor authentication on the account

I still don't know the answer to my question is it worth getting 3D

Bank of Ireland Reps · 11-07-2023 1:58pm

Hi there, thanks for the message

Our Visa and Debit Cards already have a 3D Secure process in place. However, the merchants must have a 3D Secure process in place for payment verification. Thanks, Anna

kirk. · 11-07-2023 2:15pm

https://www.boards.ie/discussion/comment/120836023#Comment_120836023

So I don't need to do anything?

Thanks

Bank of Ireland Reps · 11-07-2023 2:27pm

Thanks for getting back to me

Your BOI Card is automatically set up for 3D Secure

However, not every retailer is set up for this and you may not receive a swipe to approve every time depending on the retailer especially with saved card details. Thanks, Anna

kirk. · 11-07-2023 3:01pm

Ok thanks for the help

Debit card security

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