As such, a single-use password will be sent to their mobile phone by text, which payment providers then check before authorising the sale. Extra verification will apply once a consumer spends GBP 90 in total on a particular car, or if five separate payments of GBP 27 payments are made.
Even though the Payment Services Directive (PSD2) will come into force across the whole of Britain by September 2019, it is currently unclear what happens for people without phone signal or a mobile device.
UK Finance, representing the UK banking and finance industry, told its members that they need to find other ways of verifying their customers identities. Their suggestion was phoning the customers on their landline, or using biometric data.
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