How to confirm online card payments in secure and easy steps

Step 1: When making a payment online, enter your M&S Credit Card details as usual. Before you can complete the payment, a verification screen will pop up with instructions on how you can confirm your identity using the M&S Banking App.

Step 2: Don’t press the ‘Payment confirmed’ button on the verification screen straight away. Instead, sign in to the M&S Banking App.
If you are using a mobile device, you’ll need to come out of the checkout screen to open the app.

Step 3: Once you’ve signed in to the app, a 'Confirm this payment' screen will appear. If the details are correct, tap 'Confirm’. (If a confirm payment screen does not appear, go to ‘Payments’ and press ‘Confirm online payment’).

Step 4: Then, verify it's you by using your face, fingerprint or Digital PASS PIN. Once you see the ‘Almost there’ screen, return to the retailer’s checkout and press ‘Payment confirmed’ to complete your order.

That's it! You'll see a confirmation of your payment on the checkout screen.

M&S Bank

Confirm online payments using the M&S Banking App

When you’re shopping online you may be asked to confirm it’s you when you check-out and pay.

You can do this using the M&S Banking App.

When paying for your order online, enter your M&S Credit Card details as usual.

Before you can complete the payment, a verification screen will pop up, with instructions on how you can confirm your identity using the M&S Banking App.

First, sign in to the M&S Banking App.

(If you are using a mobile you will need to come out of the checkout screen to open our app.)

A ‘Confirm this payment’ screen will appear*. If the details are correct, tap ‘Confirm’*.

(*If a confirm payment screen does not appear, go to ‘Send money’ and press confirm online payment).

Then verify it’s you by using your face, fingerprint or Digital PASS PIN.

Once you see the ‘Almost there’ screen return to the retailer’s checkout and follow the instructions to complete your order.

You’ll now see a confirmation of your order on the checkout screen.

It’s as simple as that to confirm online payments.

M&S Bank, Security matters

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Available on compatible devices for main cardholders

Step 1: When making a payment online, before you can complete the payment a verification screen will pop up with instructions on how you can confirm your identity using a card reader.

Step 2: Instructions will then appear on how to confirm your payment using your card reader. Insert your M&S Credit Card into the top of your card reader and press 'Respond'.

Step 3: Then, enter your M&S Credit Card PIN and press OK.

Step 4: Enter the authentication code shown on the payment screen and press OK.

Step 5: The card reader will generate an 8-digit, secure, one-time passcode. Enter this code on the payment screen and press the 'Submit' button to confirm the transaction.

You'll then see a confirmation of your payment on the checkout screen.