We do our weekly grocery shopping via Morrisons online. During the week we are often adding and changing things on our shopping list and saving it as we go.
With our previous bank this was very straight forward but with Monzo every time we update our online shopping list we have to perform an active card check in the app with our PIN.
Is it possible to turn this off for a particular merchant we use all the time? Or at the very least have it so we only need to put our PIN in once every 24 hours for this merchant?
Having to do the check every single time is really putting us off using Monzo and we are in the verge of moving elsewhere if we canât get this sorted!
This isnât and active card check, this is 3D Secure verification and it is triggered by the merchant, so itâs not something that Monzo can turn off.
Try mentioning it to Morrisons , but you can turn on biometric authentication in the Monzo settings so you can authenticate with fingerprint or face ID , making it less of a hassle.
I will speak to Morrisons in the morning but assume they wonât be able to do anything to help.
Is there a reason why I have to enter my pin every single time with Monzo but didnât have to with our previous bank (Halifax)?
For what itâs worth, they are listed on our list of transactions as active card checks within the Monzo app hence why I referred to them as active card checks.
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Anarchist
(Press âHelpâ search âContact usâ or email help@monzo.com or call 0800 802 1281)
6
Iâm not so sure.
I shop with Sainsburyâs online and use Starling, Monzo, and Nationwide. Starling and Monzo authenticate every time. Nationwide used to send me an OTP every now and again, but one day the OTP didnât arrive. I called them and they white listed Sainsburyâs, and I havenât had to authenticate ever since.
I shop with Morrisonâs and use the Dozens card I get active card checks every time also, personally I donât care at least with Monzo you can delete the Active card check from ur feed.
Personally every transaction online should make you confirm in app too, account security can never be too little
Not too fussed about having them in the feed, itâs more having to perform the pin check every single time, even if Iâve just done it 30 seconds earlier on the same website.
+1 to the security of it but there should still be some sort of time out for it.
Anarchist
(Press âHelpâ search âContact usâ or email help@monzo.com or call 0800 802 1281)
10
Because you havenât turned on biometric authentication for payments in settings?
I donât get a pin check on my dozens just get a notification that they completed an active card check in my feed 100 times for each week
I am only using dozens for stuff like Apple One & Amazonâs Subscriptions oh and of course my weekly shop, until (if ever) Monzo can sort card payments from pots, as I also invested in Dozens I get âblackâ free for the year
I believe Monzo can turn 3D secure off on their side but if they did the responsibility for fraudulent transactions would pass from the merchant to Monzo so I doubt Monzo will be allowing this any time soon.
I use Morrisons online shopping so I know what you mean about the constant barrage of active card checks. These are actually ÂŁ1 transactions, rather than a simple cards check, hence why 3DS is being invoked.
It became less of an issue for me when I switched to paying on my AMEX cashback card. The 3DS check still occurs, but amex let you whitelist sites yourself, so these checks go through transparently. I just receive a notification of a ÂŁ1 charge on my as ccount.
I would expect Monzo to learn to recognise these transactions and approve them without 3DS, after all itâs only a quid and itâs a regular merchantâŠ
âI have just checked with a specialist. The merchant decides on the level of security and unfortunately there is nothing we can change. I am sorry I canât help.â
When I asked about our previous bank not requiring this they said
âI am not sure if the merchant has different security measures for different banks or if he might have put them in place in the meantime. Unfortunately we canât remove them for youâ
Will try Morrisons next but I donât have much hope they will do anything. Bit of a shame as Monzo was great otherwise.
Anarchist
(Press âHelpâ search âContact usâ or email help@monzo.com or call 0800 802 1281)
20
If this is true, then it would seem that merchants decide on different levels of security for different banks, because, as I said previously, with Sainsburyâs, Nationwide donât ask for any authentication, but Monzo and Starling both do (with Starling, itâs most transactions, but not all).