Personal Debit Card
Commercial Debit Card
- What the steps for approving a purchase using the Bank of Ireland app will look like:
Before a cardholder can complete certain transactions using one of the company’s business debit cards, a notification requesting your approval will be sent to your primary security device. This is usually your smartphone or tablet. Follow the steps below, using the Bank of Ireland app to approve the transaction.
When the notification has been sent to your device, you will have 45 seconds to approve the payment. Tap on this notification to open the Bank of Ireland app.
Swipe to approve the payment, then on the next screen enter 3 digits of your 6-digit PIN to confirm. You can then exit the app.
Once you have approved, you should let the other cardholder know immediately so that they can complete the payment.
In summary, other cardholders will now not be able to complete any payment that requires SCA without your approval at the time. This is because the notification will only be sent to your primary security device, as you are the only nominated user of 365 Digital and Phone Banking for the business current account. They will need to let you know that they are making a payment, and you will need to approve it when you get the notification as outlined above.
- What if I do not get a notification asking me to approve a payment?
This may happen if you have notifications turned off for your registered primary security device, or you do not have your device to hand when the payment is being made by the main cardholder or an additional cardholder. In this case, you can retrieve the notification yourself following these steps.
Open the Bank of Ireland app on any of the devices that are registered to the 365 online profile for your business current account and tap on Waiting for your approval.
Swipe to approve the payment, and on the next screen enter 3 digits of the 6-digit PIN to confirm.
Once you have approved the purchase in the Bank of Ireland app, the person making the purchase can then go back to the seller’s site and complete the transaction there by tapping ‘I have approved in BOI app’.
We recommend that any additional cardholder who is making a payment should let you know in advance, so that you know your approval may be needed. This will save time, especially if you do not get a notification.
- How long does the nominated user have to approve the transaction?
When a cardholder shops online and goes to complete their purchase, they will see a screen on the seller’s site that looks similar to this one. Once it appears, the nominated user has 45 seconds to approve the transaction. If using a PSK, the nominated user has 5 minutes from when the additional cardholder presses pay to approve the transaction.
We appreciate that this is a short time frame. If you are an additional business debit cardholder, we recommend that you let the nominated user know about the transaction in advance. That way they will know to expect a notification that their approval is needed when you are making the transaction. If the nominated user uses a Physical Security Key rather than the Bank of Ireland app to approve payments, you will need to be with them or in contact with them while you are making the payment, so that you can complete the steps to approve it together.
- What the steps for approving a purchase using a PSK will look like:
When an additional cardholder is making a payment that requires SCA, they will need to be in contact with you, the nominated user, at the time so that you can follow the steps below, using your PSK to approve the purchase. You will have 5 minutes from when the cardholder presses pay to approve it. Please take the necessary steps to ensure that it is really the additional cardholder for your business you are in contact with before sharing any codes with them. This is the only scenario where we will ask you to share codes with someone else.
When an additional cardholder goes to complete a purchase, they will see a payment authorisation screen similar to the below. This screen will give the additional cardholder a one-time code – 197281 in example below – which they must share with you, the nominated user.
You, the authorised user, must then turn on your PSK by pressing the green OK button. When prompted, enter your 4-digit PSK PIN. The screen will show ‘Select Opt’.
Then press 3. The screen will show the word ‘Challenge’.
Next, enter the one-time code that the additional cardholder has shared with you – 197281 – and press the green ‘OK’ button.
An 8-digit number will now show on the PSK screen. In the example below we have used the number 12121212. Share this with the additional cardholder, so that they can complete the payment.
Once the additional cardholder has this 8-digit code, they can continue with their payment by entering the code into the payment authorisation screen and pressing ‘Continue’ to complete the payment.
The customer will be brought back to the merchant screen which will confirm payment is completed.
Commercial Credit Card
How do I appoint a nominated user for my business?
To appoint a nominated user for your business you will need to have each signatory sign a 365 Digital and Phone Banking Nominated User form for business customers. This form also requires a customer resolution signed by two of the following (depending on entity type) director / secretary / partner / management committee member or elected official of the customer.
To obtain the form please contact your relationship manager or branch.