Following the introduction of increased 3DS security (multi-step verification) for online transactions using One Time Passcode (OTP) by Major Banking Institutions since October 2022; this now requires the customer to ensure they have set up verification capabilities of their selected contact preference (sms/email) with their banking provider.

This will then enable the customer to enter the OTP required during the online purchase, in order to successfully complete a payment.

Please note: Hello Clever does not dictate which cards/banks have this OTP/authentication check in place.