After March 14 2022, businesses must develop solutions that further authenticate that a person making a payment is permitted to do so. Any business that does not authenticate payments could be fined and have customer payments declined. Such verification would need to take place whenever a customer:
The upshot for eCommerce retailers is that more customer details are needed to validate identities. The FCA's (Financial Conduct Authority) guidance has also recommended that the methods do not exclude people based on their use of technology (e.g., mobile phones or laptops). This guidance means that phone numbers are the best option as they cover the broadest range of customers.
Confirm whether a number is valid or not beyond simple syntax and format checks by comparing against external datasets.
Check customer details for mobiles and landlines internationally.
See whether UK mobiles numbers are active and likely to generate a response.