PSD2 Purchase Regulations

We consider your confidence is as important as your security

Are you a customer and don't have login details?

Now, more than ever, your security is fundamental

In september 2019, the new European payment regulations came into force, the objects of which are to facilitate and improve security in use of payment systems, both presence-based as well as online, as well as to promote innovation.

The way you shop has changed

Millions of people all over the world make purchases every minute. Paying by card or mobile phone is the normal thing to do. Moreover, e-commerce has become one of our main options when it comes to making purchases.

THIS EUROPEAN PAYMENT SERVICES DIRECTIVE IMPLEMENTS AUTHENTICATION BASED ON A COMBINATION OF TWO OF THE FOLLOWING FACTORS

Something you know

Such as your PIN

Something you have

Like your mobile phone or card

Something you are

Like your fingerprint or facial features

Verification of your identity in online payments will be done in two simple steps

You receive a notification on your mobile via the new Unicaja app.

You authorise and confirm your payment using your fingerprint, facial recognition or Digital Banking password.

If you haven't signed up for the Digital Banking service, your identity will be verified by entering random positions of your PIN plus an SMS we send to your mobile phone.

Download Unicaja App in Apple Store

Download Unicaja App in Google Play

Notice board: PSD2 Regulation

REINFORCING YOUR PEACE OF MIND

The digital economy grows, and the way people shop does to: mobile telephones, computers, tablets and even voice assistants, are used to shop every day.

Due to the growing volume of such purchases, it is necessary to increase the security elements requested to verify that the card holder is really who they say they are. Payment Services Directive 2 (PSD2) has the objective, among other matters, of improving presence-based transaction security and online payments through Strong Customer Authentication.

Frequent questions

SMALL CHANGES, GREAT ADVANTAGES

Some small changes will allow you to operate with much greater security

When you pay over the Internet, we may perhaps ask you for additional security measures such as a single use code or facial recognition. And when you pay in shops, you may be asked for your PIN more frequently in different transactions, even for amounts under € 20. It is thus as well as important for us to have your mobile telephone up to date, in addition to you using our Digital Banking and the Unicaja App.

Frequent questions

Consumer rights to make payments in the European Union