Changes to the way we take payments on-line
London Warrant Enforcement Ltd (LWE) provides a safe and Payment Card Industry (PCI) compliant platform to process card payments.
LWE are certified as PCI DSS Merchant Compliance. The PCI DSS provides guidance to help maintain payment security. We only collect the data necessary to run our payment portal. We will not retain that data any longer than we need it, and only share it if it is required by law.
Strong Customer Authentication
The payment card industry has recently brought in stronger authentication to protect you when making on-line payments. You may have been aware of 3D Secure 1; this was deemed to be non-user friendly for many reasons-
- Some users were unable to view the 3DS authentication page on their device
- Actually, see it as a security threat
- Compatibility issues when the authentication process is conducted on mobile browsers
- Users felt the extra step was unnecessary, and often got irritated by it to the point where they would quit the process
- Authorization page loading speeds cause issues and frustration
- Users are not always able to identify the authenticity of the popup window, which would often cause suspicion and result in transaction abandonment.
The PCI has now introduced 3D Secure 2, what does this mean for users-
3DS2 requires 2 factor authentication, and will ask users for 2 out of 3 pieces of information to complete their transaction:
- Something the user is, for example their fingerprint
- Something the user has, for example their phone
- Something the user knows, for example a password
Usually this means the user will have to enter a short code sent by SMS by their bank.
3DS2 will not apply to:
- Any transactions where either the merchant or payer is outside the EEA
- ·Merchant initiated payments, for example subscriptions
- Telephone payments
Some payments may be exempted from 3DS2:
- Low value transactions, for example for those under £30
- Low risk transactions when the Payment Service Provider (PSP) has low fraud levels across all its platform
- Corporate payments (unless the corporate card is in the name of an individual)
Sometimes you may have trouble in paying, such as you do not have your banking application set on your device or you have changed your mobile no. so that your card provider cannot send you a text. If this is the case, please give us a call and we can try and take the payment from you over the telephone.