SCA Payment from 1st Jan 2021

From 1 January 2021, the authentication of transactions for online purchases will be based on two factors: in addition to the card details, you may need to enter a password specified by your bank, an ID sent to your mobile phone, or biometric identification.

The authentication process may vary from bank to bank, but in almost all cases the transition requires a round of data reconciliation, so you may want to consult with your account-holding bank if you don't want to be in an awkward position for your next online purchase. For example, for OTP, you need to set up an Internet security code service.