[3DS] 3D Secure merchant issues

I’ve just had this issue it’s been that long since I’ve needed to pay off additional funds rather than just the direct debit that I tried it twice before remembering Argos Card website will fail the payment when going through the 3d secure page.

Get the prompt on the website from monzo to authorise the payment in app, do this and then the website errors out saying localhost not available, tried it incognito too so it’s not any extensions etc causing it.

If you select send a text message it works perfectly. 🤦🤣

Pretty sure I’ve reported this to Argos before but as it’s very rare I’m making additional payments I’ve not chased it up with them.

I experience issues using 3D Secure with the UK national lottery website top-up procedure.

Steps to repeat:

  1. Go to add funds in my account on national lottery website.
  2. After choosing the amount, the 3D secure iframe/window loads on lottery website and I receive push notification on my phone (Pixel4a / Android 11 / Monzo App version 3.69.1).
  3. Sign in to app using fingerprint and then on the approve payment screen that shows, authorise again with fingerprint.
  4. The website pauses, reloads, but the iframe containing the 3D secure window, instead of showing a success message, instead logs me out of lottery website and shows a the national lottery sign-in screen, inside the iframe window. The payment is not taken.

I’ve tried variations of this e.g. not tapping the push notification but going into the app separately, navigating to the ‘approve message’ in the transaction feed which occasionally seems to do the trick, but that might be because I’ve already got an active session or something? Feels like it takes two goes to get the approve message working.

Managed to capture what it looks like when it fails.



Switching to using SMS verification instead of the app verification worked.

I had this on my conveyancers website, switching to incognito allowed the payment to go through fine. So as a guess one of my extensions was messing up the way the webpage worked.

Any updates on the amex app still failing with the monzo app auth 3ds flow? I seem to need to use SMS still.

Or is it something amex need to fix?

American express

If SMS is still an option that suggests that either they are still using 3DS v1 or Monzo put an exception on them in some way

I wonder which

Both of these are true.

American Express should fix the issue, but their payments are also just inherently a lower risk to Monzo because American Express have done identity checks so the fallback is fine.

2 Likes

Thanks Rika!

Hope all is well with you

1 Like

I’m still having trouble with the Argos Card app. I get as far as the Monzo 3ds page saying the payment has been authorised then the page goes blank. No money is taken.

It’s been working fine for me for months

Is your Argos app on the latest version?

Do you run any adblockers on your default browser? Do you accept cookies?

Latest version.

No adblockers on my phone and I accept cookies.

1 Like

Android 12.

Does the same on the app for me, I end up having to use the website instead. Other cards work fine on the app

Glad to know I’m not the only one :slightly_smiling_face: I’ve tried contacting the My Argos Card development team via email but they said they couldn’t talk about account issues. I’m trying the secure message system on their website.

If I remember correctly isn’t there an email address at Monzo which deals with acceptance issues?

Just contact in app chat and they can escalate it for you

Been there done that, they were useless. This was months ago, I just either make the payment with a different banks card or log on to the website to use my Monzo card.

Glad to say that Argos have fixed the Monzo card 3DS payment issue in the My Argos Card app. :white_check_mark:

4 Likes