How does affect?

To ensure the safety of your transactions when paying online, please note that, from 14 November, we are strengthening the measures in place to verify your identity when you make a transaction, using a combination of these 3 factors:

To facilitate this authentication process, our App Grupo Cajamar offers the perfect solution, because it combines...

• something you have: your mobile phone, and
• something you know: Firma Móvil,

so that you can make transactions quickly and easily.

If you do not have our App, the authentication process is carried out via an SMS, which will ask you to carry out a series of numeric operations until you obtain a result which will be the code you will need to enter in order to make the purchase (Challenge OTP) and therefore please make sure we have an up-to-date mobile phone number for you.

Remember that this enhanced authentication applies in online shops in Europe, but the following exceptions do not require strong customer authentication:

• Transactions for less than 30 euros up to a cumulative unauthenticated amount of less than 100 euros.
• You have selected a merchant as a trusted beneficiary.
• We have identified the risk of a transaction with that merchant as low.
• Transactions initiated by the merchant, mainly subscriptions and deferred payments (MIT). However, these transactions will require an initial strong authentication.
• Transactions made over the phone or e-mail email (MOTO).