New Card Payment Rules Hit UK Online Shoppers from March 14
From March 14, online shopping is about to get a lot trickier. New rules mean customers must enter a code — usually sent to their mobile — to prove they’re the real card owners. Without this code, purchases could be blocked.
FCA’s Latest Security Step: Code or No Sale
The Financial Conduct Authority (FCA) introduced these measures to crack down on card fraud. Originally due last year, the rules were delayed to give retailers more time to prepare. They stem from EU banking regulations adopted into UK law before Brexit.
The rules cover both debit and credit card payments. Not all purchases will trigger the extra step—it mainly targets high-value buys, new devices, or spending outside your usual habits. Phone orders won’t be affected.
Experts Warn of Trouble at Checkout
Industry insiders warn many firms aren’t ready, and thousands of shoppers could see their payments declined. One firm cautioned: “Some online retailers may not be ready to ask for these extra checks. This means your online card payment could be declined, even if there’s no issue with your account or your card.”
Barclays has already emailed customers, warning that declined transactions may become more common.
What Shoppers Need to Know
- Code sent to mobile confirms your identity.
- Without verification, transactions may be declined.
- High-value or unusual purchases are most likely affected.
- Phone orders skip the new rules.
- Be prepared for some hiccups at checkout.
So, if you’re planning a big online spree, make sure your phone is handy. Otherwise, your purchase might not get past the gatekeepers.
