Introducing Strong Customer Authentication: What you need to know

[harryru (Harry)]

@Rob17

I like using Apple Pay, and not taking my bank card with me, now I’m going to have to carry my bank card in case they ask me to use it and put the pin in

No you’re not.

Just sharing this from a different thread to clear this up:

Monzo Labs: Improved Card Security

Apple Pay and Android Pay will always rely on FaceID/Fingerprint to authenticate transactions. You should never see a decline on the terminal itself. I’ve update the post above to remove those words, and prevent further confusion.