Paypal

[Newportnobby]

Have just had to await a security number then change my password to access Paypal (they did warn me of this). Is this a one off exercise or does this happen every time you log in?
An old duffer like me finds it a PITA to think of passwords (although better than being hacked)

[Dorsetmike]

I think (hopefully) it's a one off. I've had a couple of accounts ask me for a mobile number, which not having a mobile I can't supply, hasn't caused any problems so far apart from periodic repeats of the request which I now ignore.

[ScottishModeller]

Have just had to await a security number then change my password to access Paypal (they did warn me of this). Is this a one off exercise or does this happen every time you log in?
An old duffer like me finds it a PITA to think of passwords (although better than being hacked)

Once you have made the change you should be able to access Paypal just by logging in.

The security number is not new - happens whenever I change password.

On a further Paypal point - don't enable One Touch as it's too easy to make a payment you didn't mean to!

Phil H

[themadhippy]

I think (hopefully) it's a one off. I've had a couple of accounts ask me for a mobile number, which not having a mobile I can't supply,

Best of luck for the future,its all part of new financial regulations brought in to combat online  fraud and becoming more widespread.some banks will provide the code via landline or email.

[Newportnobby]

Yeah - every time I log onto internet banking I have to get a security number text before I'm on. The signal here is pretty awful and, a la Peter Kay, I end up in the garden waving the phone about to retrieve the number.
All is OK with my paypal account but I don't want to have to think of a new password every time I use it.

[guest311]

Have just had to await a security number then change my password to access Paypal (they did warn me of this). Is this a one off exercise or does this happen every time you log in?
An old duffer like me finds it a PITA to think of passwords (although better than being hacked)

oh dear, sounds like the start of a slippery slope.

my recent [3 month long] conflict with paypal started this way, next thing I knew they'd 'limited' my account, spend weeks trying to deal with them via their 'message' system, which didn't work, and ended up with formal complaints with financial services in uk and  CSSF  Luxembourg.

took over three months to get my account 'un-limited' and have still not had an explanation or an apology.

compalint with Financial services ombundsman still continueing, but slowly, due to COVID  :'(

if you can still do so

TAKE OUT ANY CREDIT IN YOUR PAYPAL ACCOUNT !!

[dannyboy]

It's all to do with a new EU directive (part of the information I received from PayPal a couple of weeks ago) -

The Second Payment Services Directive (PSD2)
This is a new European Union directive replacing the First Payment Services Directive, which regulates payment services in Europe. Part of PSD2 the new security requirements that will impact online businesses accepting card payments.

Strong Customer Authentication (SCA)
PSD2 introduces further security requirements for making electronic payments, accessing your account or making changes to your account in order to reduce the risk of fraud. These requirements, which apply to all countries in the EEA, include strong customer authentication. This is an authentication process that validates your identity when you are using any payment service. When making a payment, accessing your account or making a change to your account at least 2 forms of authentication are needed. **

Two of my bank accounts always send me a code number before I can log in. Another sometimes sends me a code number. **The first form of authentication is the password you use to log into the account and, if a second is required, you get the code number, either by text or email. A pain, but more secure.

[guest311]

was I imagining it or

ARE WE NOT IN THE  EU ANYMORE

typical politicians, won't stand up for you, except when they want you to vote them into another four years in the trough.

[ntpntpntp]

Two Factor Authentication.  It's coming in with online banking in general.  Should only trigger in certain circumstances such as when you use the system from a different device or make security changes such as change password.


The thing that's really annoying me these days is my online banking is slower due to added checks.  When I go to send some dosh electronically they've now added "what is this transfer for?" dropdown  and an "are you sure you know this person?" tickbox.   Er... yes, I've been paying them for years actually!   I don't mind a check the first time, but every flippin' time      It may be to do with needing to verify the payee or something, I need to look into it.

[themadhippy]

d "what is this transfer for?" dropdown

yep same her, i selected other and entered hookers and coke ,transaction went through fine,however all mail  from them  now addresses me as "the right honorable"

[chrism]

Two Factor Authentication.  It's coming in with online banking in general.  Should only trigger in certain circumstances such as when you use the system from a different device or make security changes such as change password.


The thing that's really annoying me these days is my online banking is slower due to added checks.  When I go to send some dosh electronically they've now added "what is this transfer for?" dropdown  and an "are you sure you know this person?" tickbox.   Er... yes, I've been paying them for years actually!   I don't mind a check the first time, but every flippin' time     

Yeah, mine's the same - surely if I've said that I'm transferring to one of my own accounts (one to which I move money several times a month) they really don't need to ask if I've been coerced into doing it and if I'm sure what I'm doing.

As to the code sent by phone, one of my banks is a PITA - I don't have a mobile so they said "No problem we can send the code to a landline". Only trouble is, when it's sent the blasted system says it as, say "one thousand, seven hundred and eighty four", but it gabbles it such that I've never been able to catch it correctly and, of course, it disconnects with no option to repeat. It would be far better if it just read out the digits instead of trying to make a sentence out of it. Mind you, if they slash the interest rate much more I'll just close the flaming account anyway

[chrism]

d "what is this transfer for?" dropdown

yep same her, i selected other and entered hookers and coke ,transaction went through fine,however all mail  from them  now addresses me as "the right honorable"

PSML - you now owe me a decaffeinated monitor and keyboard   

[jpendle]

was I imagining it or

ARE WE NOT IN THE  EU ANYMORE

typical politicians, won't stand up for you, except when they want you to vote them into another four years in the trough.

Yes you are still in the  EU, at least from a technical standpoint.
All the regs still apply until the end of this year, that's what the transition period is about.

Regards,

John P

[ntpntpntp]

.. and even after we have finally left EU, many of those sorts of regs will remain similar anyway, it's the way cyber security is going.

[themadhippy]

And while  we jump through the eu's hoops there forcing the closure of some uk accounts held by expats