Payment completion issues

If you are experiencing any issues with the payment processing, check if any of the following applies -   

1 - Ensure the Eircode field only has your eircode and has not autofilled with your county/town as well

2 - Don't use apostrophes or brackets or other special characters in any part of the address or phone number. Bank systems work with letters and numbers only.

3 - Ensure the billing address and phone number match those of the card you are paying with 

4 - Ensure a mobile number is in the phone field as it may need to match the number you bank has as a final security measure    

5 - If using a one4all or me2you gift card, there is a €50 online transaction limit for these.  

Why is this now required?

Last year new EU payment regulations for online payments were introduced. All websites had to implement it by April 1^st, we implemented it in early February 2021.

It is called the PSD2 Directive / Strong Customer Authentication and adds a further layer of protection to your cards. It also mean that customer details and card details must closely match. Sometimes the use of apostrophes and characters such as & ( " + and commas can also affect authentication as some bank software will not always reconise these characters. Billing address and phone number must also match bank records.

All banking systems have now been updated, but it does mean that information needs to be formatted in a particular way that closely matches bank records

If this happens you have two alternatives

1. Call us here at 045 409028 and we can take payment by phone. (your order details will be on our system)
2. Opt to pay via the PayPal option. A PayPal account is not required to pay through their page.   

Here’s a simplified graphic of how an online payment now works with up to four connections between systems

What’s Strong Customer Authentication (SCA)?

SCA requires a customer to authenticate themselves for a transaction using at least two independent factors. These factors can be:
• Something the customer knows (for example, a PIN number or password)
• Something the customer is (biometrics, such as a finger print or voice recognition)
• Something the customer is in possession of (for example, a card or a mobile phone)