C’est le jour J. Depuis aujourd’hui, mardi 15 juin, votre banque ne peut plus reculer : elle doit mieux sécuriser vos paiements par carte sur internet. La plupart des marques ont choisi d’utiliser pour cela leur application pour smartphone. Mais comment faire si vous avez un mobile ancienne génération ?

Strong authentication is (finally) gone!After postponing the deadline for one month, from May 15 to June 15, officially to allow late merchant sites to prepare, French banks must now protect their customers' online purchases with new, safer procedures.An obligation resulting from a European text, the revised directive on means of payment (DSP2).

Bank card: what changes for the safety of your payments

Un Français sur 5 sans smartphone

How's it going ?If you are an amateus of e-commerce, you may have already experienced it.Most banking brands have chosen to rely on their mobile application: you receive a notification allowing you to launch this application and authenticate "strongly" with a secret code or a biometric sensor (Touch ID, Face ID,etc.).

However, not everyone has a smartphone.It is even a French in 5, around 5, who remained at an old generation mobile.To avoid leaving them by the side of the road, French regulators therefore asked banks to offer an alternative and free method, not requiring installing an application.However, however, do not yet have compliant solutions.

Bank card: Does your bank do the necessary to protect you from fraud?

Les alternatives possibles

The vast majority of brands offer alternatives.Two in particular.The first is based on a dynamic code, for single use, sent by SMS.You will not be disoriented: this solution, known as 3D Secure V1, has existed for a long time.But it does not comply with the DSP2: to become it, your bank must also ask you for an additional, static code that one.Result: on the payment validation page, you must enter two codes instead of one, being careful to do it in the right order.Not ideal, but better than nothing.

This solution, however, requires having a mobile.For very rare French people who do not have it, or who do not wish to use it for this type of operations, two brands have planned another alternative.Banque Populaire-Caisse d'Epargne (BPCE) and Crédit Mutuel Alliance Fénéria (including CIC) provide customers who wish to generate security codes.A downside, however: this case, called Digipass, is paying (29 euros) at Crédit Mutuel and CIC.

How to get a free bank card?

Les banques qui ne proposent pas encore d’alternatives sans appli

Some retail banks seem to have taken their time to work at their compliance with the new regulations.Several banks, and not least, have not yet alternative solutions:

Bank card: these banks late on strong authentication

Another has simply no compliant solution: Crédit Mutuel Arkéa, which notably includes mutual credits from Brittany and Southwest, and online bank Fortuneo.It remained, in the immediate future, to the old authentication mode, the 6 -digit single -use code.Not very reassuring for its customers, who must also enter this code with each payment, even a few euros.Non -compliant, Crédit Mutuel Arkéa cannot, in fact, benefit from the exemptions provided for others, in particular for payments not exceeding 30 euros.

Des situations complexes pour les clients

The lack of anticipation of certain banks sometimes place their customers in complex solutions.A Moneyvox reader testifies to this on our Facebook page."Regarding DSP2 and strong authentication, June 15 is a fatal date for smartphone non-detentors like me.Carrefour Banque sent me an SMS to tell me that without the mobile app, I will no longer be able to make purchases on the net.However, the (…) DSP2 does not mention any obligation to have a smartphone, but only to secure transactions.In addition, it stipulates that banks must offer an alternative to customers without smartphone.Carrefour Banque does not seem to have assimilated this point.»»