SCA - What you need to know

The Secure Customer Authentication rules are changing - please read.

So, What is SCA?

Strong Customer Authentication (SCA) is a new set of rules that will change how you confirm your identity when making purchases online. Next time a customer shops or banks online, they may need to undertake an extra step to confirm it is really them. This could mean a bank or provider using a number of ways to verify a purchase or login such as a pass code via text message, receiving a phone call to their landline, a card reader or using your banking app on your smart phone.

Why is SCA being introduced?

SCA is being introduced to help further reduce fraud. With an increasing number of purchases being made online, these new rules will provide the extra protections necessary to ensure that customers are safe when purchasing online and their money is better protected. We already have robust measures to protect our users when making payments on the MyJobQuote site, these include but are not limited to, strict know your customer checks, SSL security, 128 bit security though our payment processor and now SCA protection for all users.

Why am I being asked to verify my transaction?

Don't worry, this is the request of your bank, and is part of the changes aimed to make banking online safer. You will be asked to confirm you are the account holder and it will become common place over the next few months.

My transaction has been declined, what do I do?

If the transaction was declined because of failure to verify through SCA you will be told on the popup the bank shows when attempting to make the payment. We will send you an email for any payment where it was made in the background, such as subscription payments.

If for example the reason is because the card has been blocked or there are insufficient funds we will tell you at the time of taking the payment.

If you have further issues or concerns, please do contact support

How does SCA work?

SCA relies on being able to confirm 2 of the following: Knowledge: Something the customer knows (password) Possession: Something the customer has (smart phone) Inherence: Something that is unique to the customer (fingerprint) This means the bank may ask for a pass code sent to a smart phone to confirm that it is definitely you the account holder making payment.

What does this mean for you?

When you purchase jobs on the site, a popup will appear from your bank asking you to verify your identity. In many cases this will be automatic, for example if you have purchased from us before. Where validation is required you will be required to open your banking app or enter a code from an sms sent to your phone. For members who have an active subscription, we will still attempt your card at the end of each month. SCA should not apply to this type of transaction. If however the payment is declined because it requires 3D secure verification we will send you an email to visit the site to verify the payment, allowing you to renew your subscription.

What do I need to do next?

Nothing, we have implemented the changes required to accommodate these new rules. If you have not got a banking app on your phone or you are not setup for online banking, we suggest you do this as all retailers are subject to these changes, meaning unfortunately, entering a code or validating on the app is going to become common place.

Any other questions?

Just ask our support team for anything to do with billing or payments and they will be able to guide you in the right direction.