lloyds bank

twhitehousescat

Zanderman wrote: »

Try Paypal - it's available everywhere, even on Ebay!

ok , will paypal / ebay be one that you need a code for , or not?

SnowTiger

jonnygee2 wrote: »

Ahh. Perhaps not then. For some reason I thought it came to the UK a while ago

Not yet, sadly.

However, it's been possible to make free calls to to landlines and mobiles from Google Home devices for some time.

Emily_Joy

twhitehousescat wrote: »

ok , will paypal / ebay be one that you need a code for , or not?

Nope. When the payment is handled by PayPal, it's Paypal who is responsible (and PayPal isn't a bank).

Uxb1

I've been assuming that Paypal will be likewise be requiring 2FA to authorise payments.
Indeed here is the PayPal PSD2 2FA info page
https://www.paypal.com/uk/webapps/mpp/psd2

mgdavid

Uxb1 wrote: »

I've been assuming that Paypal will be likewise be requiring 2FA to authorise payments.
Indeed here is the PayPal PSD2 2FA info page
https://www.paypal.com/uk/webapps/mpp/psd2

Aren't we always advised never to assume?
My take is if you have money in the paypal account (from selling something or doing a lumpsum transfer in) then purchases won't require 2FA as p/pal aren't a bank. But I may be wrong...

Zanderman

Uxb1 wrote: »

I've been assuming that Paypal will be likewise be requiring 2FA to authorise payments.
Indeed here is the PayPal PSD2 2FA info page
https://www.paypal.com/uk/webapps/mpp/psd2

That page is for businesses using Paypal Pro, taking card payments via Paypal Pro. Which is, I think, actual, direct, card payments.

That system is not, as I understand it, the same as ordinary paypal via a Paypal account, where payment is made by DD from a current account or CPA via a pre-authorised card.

So, as the poster above says, we shouldn't make assumptions. Indeed I may be wrong in my assumptions here, but I really really doubt ebay are going to start asking for 2FA on every purchase on my paypal account, which draws on my current account by DD. Happy to be proved wrong though!

eskbanker

Zanderman wrote: »

I really really doubt ebay are going to start asking for 2FA on every purchase on my paypal account

So what you're saying is that you think eBay will be asking for Sweet FA rather than 2FA?

Uxb1

I agree @Zanderman that for CPA's it starts to get a bit silly when one thinks how it would work if 2FA was needed for pre-ordered remote renewals of payments
For example I might have set up my credit card for insurance and it's set to auto renew
At the moment I get the annual notification, I'm happy with the price and I do nothing and it auto renews OK.
Now if CPA's for a new value to the previous are going to need 2FA upon renewal then I'll suddenly be getting an unexpected text to my mobile with the 2FA code on it which I am now going to have to go and do something with it.

I saw a note from Barclaycard which suggested that CPA's where the value of subsequent payment was different to the initial setup (2FA approved value) would not be excepted - but went on to suggest the setting up of Whitelisting of approved companies - and it gave the example of payment by CPA of utilities bills so that variable payments could be made without needing the 2FA each time.

Zanderman

Uxb1 wrote: »

I agree @Zanderman that for CPA's it starts to get a bit silly when one thinks how it would work if 2FA was needed for pre-ordered remote renewals of payments
For example I might have set up my credit card for insurance and it's set to auto renew
At the moment I get the annual notification, I'm happy with the price and I do nothing and it auto renews OK.....

Indeed - we'll have to wait and see how CPAs in general are complicated, or not, by 2FA

But my main point was primarily about Paypal - which I had suggested the OP of this thread could use to avoid the 2FA they were worrying about needing for ebay purchases, certainly at present, and probably long-term - especially if they set up Paypal to draw direct on their current account by DD. Which doesn't use a card at all.