NEW: Extra security when you’re buying online

NEW: Extra security when you’re buying online

If you want to keep using your Tide card to buy online from March 2020 onwards, you’ll need to make sure your mobile number is up to date.  

This is because we’ll be using ‘3D Secure’ (3DS) technology to verify it’s you using the card when you’re buying things online.

3DS is a standard many card providers are now using to reduce e-commerce fraud. If your other card providers aren’t already using 3DS, they will be by the end of 2020 because it will be required by law.

How does 3DS work?

  • Use your Tide card to pay at an online checkout.
  • If we decide to check it’s you using the card, the Mastercard SecureCode message appears on your screen.
  • We send you a text message (SMS) with a code.
    Enter the code in the SecureCode box on-screen for your payment to go through.

Make sure your mobile number is up to date

We’ll send a code by text message (SMS) so make sure your mobile number is up to date.

To check your details, log into your Tide app or Tide on the web and go to More > Profile

If you have co-workers with Team Cards, you’ll need to make sure their mobile numbers are up to date too. Go to More > Team Cards

FAQs

Why are Tide using 3D Secure (3DS)?

If it hasn’t happened to you, no doubt you know someone who’s had their card details stolen and a criminal’s used them to spend your money online. We want to stop this type of card fraud and 3D Secure adds an extra layer of security to make sure it’s genuinely you using your Tide card. 

And we’re ahead of the curve: from the end of 2020, all card providers in the UK are required by law to use 3D Secure.

I’ve just bought something online – why didn’t it ask me for a code?

We won’t always need to verify it’s you. Don’t worry, we still checked the transaction and you can be confident your Mastercard purchase is secure.

Tide makes things quicker and easier for small businesses… but won’t 3D Secure slow me down?

Hardly. The check is very quick. It adds a few seconds to your transaction but it’s worth it for the extra reassurance for everyone that it’s genuine and not a fraudulent purchase.

To make buying online faster, make sure you have your mobile to hand and it’s switched on.

How long does it take to update my phone number?

When you’ve saved your new mobile number or email address in the Tide app or on the web, it takes around 15 minutes for it to update in the system.

After you update your number, we recommend you wait 30 minutes before you try to buy anything online with your Tide card. 

What if I’ve got no phone signal?

You’ll have to wait until you have mobile coverage again before you can pay online with your Tide card. We know this won’t always be convenient – but it’s an important way we protect you and your money.

Where can I read more about 3D Secure?

Mastercard has some handy FAQs about SecureCode, the 3DS system we use.

My question isn’t answered here…

Ask us via the in-app chat or email us hello@tide.co We’ll be happy to help.

Suzanne Worthington

Senior Writer

Tide Team

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