Keeping you safe when shopping online

Get ready for additional security steps when making purchases online

Like all other UK card issuers, we’re adding additional security checks when shopping online to make sure your purchases are as safe and secure as possible. It’s important you’re prepared for these changes so you can continue to shop on the web using your credit card.

What’s changing?

Soon, you might notice an extra step during the checkout process when you shop online, which will help us to ensure it’s you and only you making the purchase. You may be asked to open your Jaja mobile app to verify the online purchase you’re making during the checkout process.

This additional step to verify your purchases, known as Strong Customer Authentication (SCA), will replace the one-time passcodes that are sometimes sent by text message or email today during online transactions.

To make sure you’re ready for when these changes come in, you’ll need to have downloaded the Jaja Credit Card app.

You won’t be able to verify your online purchases without the app, which means we may have to decline them.

To download the app, visit your App Store or Google Play and search for ‘Jaja Credit Card’ to download and install. You may need to register online first before you can log in to app for the first time and verify your purchases. Visit our guide to registering for more details.

Frequently Asked Questions

What is Strong Customer Authentication (SCA)?

Strong Customer Authentication (SCA) provides more protection against fraud when you shop online. It’s a security check being introduced by all UK card issuers to verify that it’s you and only you who’s making the online purchase.

Can I opt-out of using Strong Customer Authentication (SCA)?

No, you can’t opt-out. SCA is part of industry-wide legislation within Europe, called the Payment Services Directive 2 (PSD2), introduced to keep your account safe from fraud.

What is the Payment Services Directive 2 (PSD2)?

The Payment Services Directive 2 (PSD2) is a European regulation introduced to help make the customer authentication process more secure while also increasing consumer rights. It also builds on existing legislation surrounding third-party access to account information.

What about additional cardholders?

Any additional cardholders will need to verify their online purchases in their own version of the Jaja app, which will be available very soon. We’ll let you know when additional cardholders can log into their own version of the app.

Why have I received a communication advising that I need to register for the mobile app to use my Jaja Credit Card online?

It’s important you download the Jaja Credit Card mobile app as you might get asked to perform an additional security step during the checkout process when making a purchase online. You’ll be asked to open your credit card app to verify the online purchase you’re making. If you don’t get asked, don’t worry. There may be some instances where we don’t ask you to verify your purchase.

Can I verify my purchase via email or text message?

You’ll only be able to verify your purchases in the Jaja app. This verification method will replace the one-time passcodes that are sometimes sent by text message or email today to verify online transactions.

Can I use online servicing to confirm my purchase?

You’ll only be able to verify your purchases in the Jaja app.

How will this make online shopping more secure?

Although using strong passwords can provide a level of security to your account, they can still be compromised and used by fraudsters to gain access to your personal information. So, we’re adding extra security steps so we can ensure it’s you and only you that’s making a purchase with your Jaja Credit Card. During the additional step, we’ll use two methods of verifying your identity using a combination of the following factors:

  1. Something you know – a secret piece of information that only you know, like your password.
  2. Something you have - a device you own, for example, your mobile phone or tablet.
  3. Something you are - something that’s unique to you, for example, your fingerprint or facial recognition.
Will I have to verify my transaction in the app for every online purchase I make?

There might be instances where we don’t ask you to verify your purchase, so don’t worry if you’re not asked to confirm every time.

How do I access the app?

Once you have registered online and downloaded the app from the App Store or Google Play, you’ll be able to log in to the app immediately. Visit our guide to registering for more details.

I am already registered. Do I need to do anything?

If you’re already registered, you’ll be able to log in to the app using the details you created when you registered.

If you haven’t downloaded the app yet, find it by searching ’Jaja Credit Card’ in the App Store or Google Play.