SCA (Strong Customer Authentication) is a security step required by law for online payments. To make this easy and secure, you’ll need to link your phone to Spendesk (this is called mobile enrollment). When you make payments, you’ll simply confirm them on your phone—keeping your money safe and your account protected.

Check out our SCA article for more legal context!

After closing the app or after 60 seconds of inactivity, you will be asked to authenticate. Here's a recap of authentication flows to make you understand in which cases and how you can secure your account in 2 minutes!

You will be able to choose a code. This security code will be required every time you need to authenticate unless you choose another way (see below).

If the device has biometric capabilities (and if you have authorized them in the app), the biometric authentication will be prompted.

You can disable it by going to Profile & settings > Security options > Security code.

If you forget your code, you can click on "Code forgotten" . A pop-up will appear to let you know that you will be logged out, your code reset, and that you only have to log in again to create a new security code.

If you enter an invalid code 3 times in a row, your connection to the app will be blocked for 1 hour. You can't be unblocked: you will have to wait for 1 hour, and only at that moment you will be able to enter a valid code or reset the security code. Support teams will sadly not be able to assist you if this happens. If you forget your code, use the "Code forgotten?" option above to avoid being blocked.

Profile & settings > Security options > Security code. By clicking on this page, a pop-up will appear informing you that you will be logged out, your security code will be reset and you will only need to log in again to create a new security code.

You can have multiple devices enrolled.

Make sure to block all your cards first. You can then enroll your new device.