What do 20 pens, 10 mugs, 8 glasses, 4 tea towels and one pot of cuticle cream all have in common? Well apart from our kitchens and stationary cupboard being slightly better stocked (and some healthy-looking cuticles within the Operations teams), all of these items have been part of the purchases to test and ultimately deliver 3D secure.
So, what is 3D Secure?
3D Secure is a tool for online transactions that requires the account holder to complete an authentication process for some purchases. It forms part of the security of your account.
Some banks use passwords. But we’ve all been in that position when trying to make a purchase late on a Sunday evening. Can you remember the first, fourth and ninth character of the password you set 5 years ago? Probably not.
At Starling, we’ve decided to use ‘one-time passwords’ sent via SMS as the type of authentication for online purchases. This means that a text will be sent to your phone when you are required to authenticate for a specific online purchase. One code will be sent for each purchase meaning that static password can be left behind.
Why have we implemented 3D Secure?
Implementing 3D Secure adds to the many ways we ensure your money is protected, helping you to make online payments safely.
For certain transactions, we want to make sure that the person making the purchase is the account holder. One way to do this is to make the account holder provide information that only they would know, for example, codes sent to the phone number linked to your Starling bank account.
A few websites require banks to support 3D Secure, and rightly so. This is all about making payments more secure for customers. That’s why we’re working hard to roll out this security feature out to all our customers.