New online security checks - Lloyds, Tesco, Sainsburys

NickJG

Is anyone else having great difficulty with the new online security checks? Yesterday I had to complete six different checks for three online orders with two companies – Tesco and Sainsburys. They took up to half an hour per check as once the transaction is denied you have to wait for a message merely stating that you ‘will receive’ another message, then when that turns up you reply YES, it was you making the transaction, then you wait another ten minutes before you can try the transaction again. Try doing this with supermarket shopping when you’re editing the basket multiple times before the 11:45 deadline!

 

I’m with Lloyds and first I was just trying to book a future Tesco slot which was only a £5 basket as a reservation (which shouldn’t be included in the checks anyway as far as I can see?). Another was with Sainsburys for an existing order which was at that point (not final) at about £120 and I managed to get it through about 6pm (got the Lloyds texts and the email from Sainsburys). Then when I went to edit it down to around £80 it just kept rejecting the transaction, but I wasnt receiving any requests for confirmation from Lloyds so couldn’t do anything. I tried for over two hours so called Lloyds customer services who said it was probably because Sainsburys hadn’t signed up to the service! Unlikely! A business that size and my transaction at 6pm went through! So this morning I’ve received £120 of shopping when I only wanted £80.

Anyone else experiencing this? How to get around it?

Zanderman

Yes, others are reporting similar.  See e.g. https://forums.moneysavingexpert.com/discussion/6341369/santander-payment-authentication-changes/p1 

masonic

I've been using Chase for most of my spending over the past ~6 months. They send a push notification in the app, which is a much better solution and I've had no issues authorising transactions.

born_again

The tesco reserve a slot requires a authorisation so requires the new security. As does any update of a basket.

NickJG

Ive not had to authorise by phone/card in the Sainsburys version at all, not even for booking a slot. Tesco require CVV for booking a slot and for any increase in value of the basket, if you are removing items from the basket & the new bill is less you dont need CVV. And Ive never had to authorise by phone at all.

masonic

NickJG said:

Ive not had to authorise by phone/card in the Sainsburys version at all, not even for booking a slot. Tesco require CVV for booking a slot and for any increase in value of the basket, if you are removing items from the basket & the new bill is less you dont need CVV. And Ive never had to authorise by phone at all.

Which card are you using?

born_again

NickJG said:

Ive not had to authorise by phone/card in the Sainsburys version at all, not even for booking a slot. Tesco require CVV for booking a slot and for any increase in value of the basket, if you are removing items from the basket & the new bill is less you dont need CVV. And Ive never had to authorise by phone at all.

Have used Sainsbury for online deliveries. Everytime you make a booking £25 min it goes for authorisation (mastercard Secure) in my case. Same every time you add items to the list.
Same for your Tesco purchases. Only before it was all in the background.

New regulations have just come into force which means more security on online purchases.

NickJG

OK well Ive just successfully booked both new Tesco and Sainsburys delivery slots to test it.

Tesco just asked for the security code on the back of my card (Mastercard), Sainsburys asked for nothing. Both remember my card number as I use them frequently.
I am using Firefox 98.0.1 on OSX 10.14.6.

Neither asked for extra ID today.

molerat

NickJG said:

IAnyone else experiencing this? How to get around it?

Using the Lloyds app ? 

Bought something on line the other day, on screen message to open app and authorise payment, all done in seconds. No reliance on the vagaries of text messaging.

FeaturelessVoid

This is why we left the EU, pointless bureaucracy.

Unfortunately, we haven't got around to removing it what with COVID, Boris's parties and a pointless war in <insert place here.>

masonic

NickJG said:

OK well Ive just successfully booked both new Tesco and Sainsburys delivery slots to test it.

Tesco just asked for the security code on the back of my card (Mastercard), Sainsburys asked for nothing. Both remember my card number as I use them frequently.
I am using Firefox 98.0.1 on OSX 10.14.6.

Neither asked for extra ID today.

Who is your card provider?