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Strong Customer Authentication

Online Payments - Strong Customer Authentication

You may soon start to notice an increase in the number of times you’re asked to verify your identify when accessing online platforms/accounts and to authorise online card payments using 3D Secure or with a One Time Passcode (OTP) which is sent to your mobile phone number.

All online transactions will be SCA (Strong Customer Authentication) compliant from 14th March 2022. 

What is changing?

When making payments through your JG+ account online, or on the JG+ App, you will be asked to verify your identity via your Bank by using either:

  • 3D Secure - For extra fraud protection, 3D Secure(3DS) requires customers to complete an additional verification step with the card issuer when paying.
  • One Time Passcode - A one-time password(OTP), is a password that is valid for only one login session or transaction, on the Sage Pay payment screen.

These additional security checks have been introduced to help reduce fraud, by checking it is you who is making the payment. 

This new level of customer security affects all online payment transactions, not just those with James Gibb.

Financial Conduct Authority and Strong Customer Authentication

James Gibb doing it the right way

Out of Hours Emergency. Call us on 0333 240 8325 where our helpline operators will assist you

Glasgow (Head Office)

Red Tree Magenta, 3rd Floor,

270 Glasgow Road, Glasgow, G73 1UZ



Edinburgh Office

23 Alva Street, 

Edinburgh, EH2 4PS


Aberdeen Office

27 Chapel Street,
Aberdeen, AB10 1SQ



Dundee Office

Unit J, Prospect Business Centre,
Gemini Crescent, Dundee, DD2 1TY



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