When I try to use Monzo to order online on the Tesco grocery shop (for home delivery), I get stopped at a page where it needs me to open the Monzo app and authenticate the transaction. This is happening every time. It only seems to happen with Tesco. Has anyone had this problem and is there any way around it?
If Tesco ask for 3D secure, there isnât much Monzo can do. It is Tesco pushing liability back at Monzo for online fraud so Monzo must prove you are you via the app.
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Without knowing the technical details, couldnât Monzo implement something like American Express, where you can add a list of âapprovedâ retailers you shop at often, which will bypass the 3DS?
That aint very secure cause someone could take ur card and could use it where it wont ask i think its right to ask all the time and i think most customers are happy with it aswell
Itâs perfectly safe, it only applies to online, and the extremely rare occasion that someone has your card details and decides to shop at one of the few online places youâve approved, before youâve noticed itâs gone/frozen your card⌠wouldnât outweigh the hassle of 3DS on every transaction.
Not to mention you are still covered if the worst happens.
Itâs literally a win win for the customer.
When I pay my o2 and Barclaycard bills, it pops up the 3D secure Monzo box, and a message from Monzo says âWeâve approved this transaction automaticallyâ or similar, presumably because Iâve paid them before, and am am on the same IP address etc. After a few approvals they should be able to know itâs not a suspicious payment.
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Soon every transaction will require this, there is talk by policy makers to make it mandatory.
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