To be sick of bloody payment authorisations when paying online?

[PepsiMaxiMam]

First off they're a great thing, when used appropriately.

Dropping 3k on a holiday, payment authorisation required, fair enough.

Buying from a website you've never used before, absolutely.

But I have to authorise my payment on my app every damn time I top up my gas or electric, I do this 3 to 4 times a week and always the same amount.

Tesco every week for the same day.

Topping up my child's lunch money account.

£5 on the lottery.

Surely there should be some kind of tracking that shows I regularly use these sites and they are 'safe' unless I suddenly try to do a £600 tesco?!

I did have a moment of gleeful schadenfreude with my twatty ex employer after they failed to do their part in making it so my personal phone wasn't the second authorisation for critical work accounts.

I'd told them again and again that it was really inconvenient to me that these codes came to my personal devices, but I didn't have authority to switch them myself to my work phone, which they should have been on in the first place. Not to mention appalling security anyway.

It was great to need to drop my phone off for repair and say, "sorry, I did warn you".

it is quite new for me
it is a faff but i dont mind so far

It's really difficult transferring codes from one device to another when you also have dyslexia. I frequently mess it up.
But then I frequently fail "security" for my accounts, as I don't have a clue what my bank sort code/number/date or amounts of transactions are. Not helped by the numbers no longer being on my card.
It's a nightmare if your brain doesn't work the way the person who set up the systems thinks it should.

I'm with RBS and am driven absolutely wild on a regular basis by it. For mine I don't get all these code things your on about, but I have to log on to my online banking to approve. I hate logging on and seeing my balance, so I always have to do squinty eyes and a piece of paper to cover my phone so I don't have to see a potential mood ruiner!
I shop at Asda for my weekly food shop. Yet every single fecking time I have to approve the damn thing!
It is massively off-putting when online shopping. Maybe it's to drive us all back to using the high street?!!

Nope it's to stop you becoming a victim of fraud and banks having to foot the bill

If there was a list of 'approved' sites for banks to wave through payments without checking, every fraudster in the world would be cloning them. How does your bank system know that your child's schoolpay account/meter top up is genuine and not a clone? When my card was cloned it took £20 here and there for mobile phone top ups. It's not the big payments, it's the little ones that add up and are harder to trace / identify.

I love that people are personalising the bank fraud software though. Like the computer system is saying: 'Oh no, that payment's fine. It's just for school lunch and washing powder. Wave it through. Hang on, this one's for DodgyFraudster.com - better put a 2 factor on that one'.

Regular payments that look innocuous are exactly what they are checking.

How on earth would the fraudsters know that my personal approved sites are my kids school dinner menu site and my own gas and electric top up. And how would that benefit them in anyway, using them?

Cloning and spoofing, mainly through phishing.

I'm with the NatWest. It only used to happen when I ordered from somewhere for the first time, but it's happening with places I've used for years.