App Needed to pay online by credit card

joonee

I tried to pay an invoice by creit card, but when it came to the authorisation I needed to have the app. Previously they would sent a code to my phone and this worked well.
I don't want another app cluttering my phone and get frustrated by all these companies urging you to install their apps.
Does anyone know of a card which allows on-line purchases without the need for an app.

Mark_d

American Express always send me email and text message when I make an online purchase

molerat

Which card are you currently using ?

la531983

Download the app for the transaction, complete transaction, delete app.

Done.

joonee

Mark_d said:

American Express always send me email and text message when I make an online purchase

Thanks. I do have Amex but too many companies don't accept it

joonee

molerat said:

Which card are you currently using ?

Thanks. Do you know of a mastercard which doesn't use an app. My current card has recently introduced it

MyRealNameToo

joonee said:

I tried to pay an invoice by creit card, but when it came to the authorisation I needed to have the app. Previously they would sent a code to my phone and this worked well.
I don't want another app cluttering my phone and get frustrated by all these companies urging you to install their apps.
Does anyone know of a card which allows on-line purchases without the need for an app.

The problem is SIM Swap Fraud, Info Sec people are forever point at the fact SMS is not a secure mechanism and many have been subject to a sim swap, ie someone gets your number transferred onto their sim so when they go to fraudulently log into your account their phone receives the 2FA code. 

This is why most are now pushing for an app authentication as a much more secure mechanism to SMS. 

A number of these setups are done poorly though, my AmEx (which I find very few places that dont accept it, especially if you add paying via PayPal into the equation) for example does go via the app but also has the ability to reject the app method and fall back to SIM. I dont use non-AmEx cards often enough online to recall who doesnt use the app and/or who uses an app but allows fallback to a SMS