How to confirm online card payments

We're making online payments safer. This is because of changes to the Payment Services Regulations to help prevent fraud. Of course, this is good news, but it does mean that you'll need to confirm online card payments more often. This way we know it's really you. This makes it harder for fraudsters to make payments without your knowledge.

The next time you're shopping online, you might be asked to confirm it's you when you check out and pay. There are three ways to verify your payments - you can use our M&S Banking App, a one-time passcode via text message or by using a card reader to verify your payment. Watch our how-to videos or read our step-by-step guides below to find out how it works.

Which method are you using to confirm online payments?

How to confirm online card payments using the M&S Banking App

If you're a regular user of our banking app, you'll be asked to confirm your payments within the M&S Banking App.

Read step-by-step guide

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 ‘Send money’ 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.

FAQs

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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

Thank you for watching.

Available on compatible devices for main cardholders

How to confirm online card payments using a one-time passcode

If you don't have the app, we'll send a one-time passcode (OTP) to your mobile phone number to confirm your payment. Here's how it works.

  • 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 one-time passcode sent via text message to your mobile phone.
  • Step 2: If the mobile phone number shown on the verification screen is correct, select 'Send' or 'Send OTP'.
  • Step 3: Once you've received the text message containing your one-time passcode, enter the code into the verification screen and click 'Submit'.
  • Step 4: You'll then be asked to enter your email address into the verification screen to complete the transaction.

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

Your one-time passcode is 962863 for a payment of GBP 1430.6 to HMRC on card ending 6247. It's valid for 10 mins for this payment only-ref 7690

NEVER share this code with anyone.
Fraudsters pretend to be people you trust, like a company you pay bills to, M&S Bank or even the police. If you receive a one-time passcode for a payment you haven't made, please contact us.

Extra checks when using your card online

When confirming online card payments using a one-time passcode you'll also be required to type your email address into the payment verification page to complete the transaction.

Don't worry, we're not checking your email address here or updating our records. It's how you enter it that matters (including your keystrokes). It's known as behavioural biometric data and it should be unique to you.

We'll record this data and it'll be stored for up to 3 months, so it can be compared against your previous entries. We'll then use this data in future, together with other information like your location and how you use your device, as an added measure to help us check it's really you making the payment and to reduce the risk of fraud.

How to verify online card payments using a card reader

Video Script

Banks are making some changes to help protect you against fraud.

The next time you’re shopping online, you might be asked to confirm it’s you when you check out and pay.

If you have a card reader device, this is how you use it to confirm your payment.

When paying for your online order, before you can complete the payment, a verification screen may pop up, with instructions on how you can confirm your identity using the card reader.

Insert your M&S Credit Card into the top of your card reader and press ‘Respond’.

Then enter your card PIN and press OK.

Enter the authentication code shown on the verification screen and press OK.

The card reader will generate an 8-digit, secure, one-time passcode.

Enter this code in to the box on the verification screen and press ‘Submit’ to confirm the transaction.

You should then see confirmation of your order on the checkout screen.

Thank you for watching.

If you're unable to confirm your payments using the app or via text message, you can use our alternative card reader solution to verify your payments.

Read step-by-step guide

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.

Have a question about our Digital Banking services?

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*To be able to use all app features, you'll need to ensure that you are running the latest version of our app. In order to download the latest version, you'll need to ensure you are running iOS 12.2 or Android 6 or above. We recommend using the most up to date operating system your device can support.

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