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Image for 'Monzo launches 3D Secure for testing'

We’ve built 3D Secure (the Monzo way!) and we’d love your help with testing.

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Image for 'Monzo launches 3D Secure for testing'

7 comments

4 months ago

If you’re paying on a website that uses 3D Secure, we’ll send you a notification. Just open the app, tap ‘Confirm’ and we’ll put your payment through!

If you like, you can ask us to send you a code by text message instead, which you can enter to confirm your payment.

The only time I've run into issues with Monzo not supporting 3D Secure that I can remember was using Coinbase so this is useful, rather than a game changer. But this is a big improvement on the regular 3D Secure authorisation process that most banks have implemented 👍

4 months ago

I love it. And I think, while there might not have been many issues for you, it's a great step forward in the general UX flow for 3D Secure and great seeing Monzo jumping out front. That can only push others to take the plunge, too. (But, no doubt, legacy institutions will take longer.) Google's been doing stuff like this on Android for years, glad to see the multi-channel authentication process getting adapted elsewhere now!

4 months ago

Totally agree. The other interesting outcome of this is that they're going to be able to manually activate 3DS for lots more merchants now. I had a chat with one of the team after their launch event last night and they think that this will save them a significant amount of money. During the talk, they mentioned merchant abandonment rates are >50% when the user's asked to authenticate with 3DS (who remembers their password??) but because of the far better UX, the extra activations should have far less impact 💪

4 months ago

New 3D Secure is coming out in Q4 which is mobile friendly.

4 months ago

Wow monzo are powering ahead

4 months ago

3D Secure has been implemented by N26 long time ago in a straight forward way. https://n26.com/en-es/blog/n26-is-now-3d-secure. Super convenient.

4 months ago

Thanks Albert, I checked their solution out a while ago & it looks really nice too 😍