There is a severe flaw in TSB's online payment authentication process.
I needed to place an order for Euros at a supermarkets travel money department.
I filled everything in on the website, put my bank card details in and went to pay, but a box comes up from TSB telling me they are sending me a confirmation pass code via SMS and I need to enter the code in the box. I get a floating notification indicating that I have a text message from TSB, but I then have to leave the payment page I'm on and go onto my messages to see the pass code. When I go back to enter the code, because I left that payment page, the transaction is cancelled. I go through the whole process again and TSB send me another code and I have the same problem.
The result is, it is absolutely impossible to complete the online transaction.
This has happened many times with other online payments as well.
I phoned customer services but they were no help. The lady just kept saying I need to enter the code that was sent via SMS. I kept explaining that I need to leave the payment page and go onto my messages in order to get that code and all she could say was that I need to change my phones notification settings.
I don't as it is already set to every form of notification, including floating notifications. The code is not displayed in the floating notification, you have to open your messages to see it.
The only way around this problem is by having two people involved in completing the online transaction.
I had to phone my wife and tell her to have her phone on loud speaker while she places the order using my bank card and all my details and then when I receive the code, I read it out to her for her to enter on her phone.
It is absolutely ridiculous and an extremely flawed method of authentication that has caused so many problems.
A simple question for TSB....how do I complete on online payment, when I have to leave the secure payment page to go to my SMS messages in order to get the code and by leaving the secure payment page, the transaction I was about to make is ended.