Confirm online payments with a Spend Cloud Card

When you, as a cardholder, want to make an online payment with a Spend Cloud Card, it is necessary to confirm it through the Spend Cloud app. This is an additional security measure. You need to enable online payments in the app before you can make online transactions.

Previously, this functionality was called 3DS via SMS, which was sent to the phone number linked to the card. This continues to work until you link a phone to the card; the old method via SMS then becomes obsolete. This cannot be reversed for the respective card.

Enable confirming online payments through your app

It is only possible to link one phone per card. In addition, only the user registered as the relaible card owner can confirm the online payments of the card.

To set up the confirmation of online payments, go to the app's menu at the bottom right, then navigate to "Boeken" (Books). Open the book associated with the card and click on the 'Pasgegevens' (Card details) button. Click on 'Activate'  under 'Want to shop online', to activate online payments on this device.

Afterward, enter your phone's access code (note: this is not the access code for the app itself but for the phone). If enabled, you can also use your fingerprint or facial recognition here.

Attention! Do you see an error about your device not having an access code? Then you haven't set-up a passcode to unlock your phone (not the passcode from the Spend Cloud app itself). To be allowed to confirm online payments you must have set-up a passcode to unlock your device. You can read here to set this up for Apple or Android.

If you do not see the text 'Activate' in your card details, please contact the application manager within your organization for assistance.

How does confirming online payments via the app work?

When you make an online credit or debit card payment, the webshop checks, during the payment process, whether you are authorized to make the payment. Therefore, you need to confirm the payment through the Spend Cloud app on your phone. Currently, it is only possible to link one phone per card.

When you make the online payment, you need to confirm it through the Spend Cloud app before completing the transaction. When you open the app, you will see a pop-up screen that looks like this:

Confirm the payment here. Of course, only do this if you are indeed the person making the payment. Never confirm anything you are not aware of. After confirmation, this information is transmitted to the webshop, and your payment is finalized there.

When you don't receive notifications

It is important to check in the settings of your phone whether the Spend Cloud App is allowed to send notifications. To check this on an iPhone, read here. For settings on almost all other phones than an iPhone, look here.

In the Spend Cloud App, there is an option to test the push notifications. Go to settings and then to 'Diagnostics'. Click on 'Test push notifications' to check if the notifications are working. Click on 'Reconfigure push notifications' if the notifications are not working. Do you want to read more about this functionality and how to set-up push notifications on your device? Then read this article: configure and test pushnotifications in the Spend Cloud app.

If you are unable to get notifications to work, ask an application administrator within your organization or a colleague to assist you.

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