With Secure Customer Authentication (SCA), we must authenticate your identity when either:

  1. You make a series of consecutive transactions up to a value of £135 / €150, or
  2. You make 5 consecutive transactions – of any value

We want to minimise disruption as much as possible when you’re using your K Ring, so when either of these two conditions is met you simply need to log in to your account to complete your authentication. Logging into your account lets us know that it’s you using your K Ring, and resets the authentication counter.

You can log in to reset your counter at any time – you don’t have to wait until you are prompted.

We’ll send an alert to your phone* when you have two transactions left – and when you have one remaining – before you have to authenticate your identity.

If you reach – or exceed – £90 of transactions since your last authentication, we’ll also alert you to this, asking you to log into your account for authentication again.

You can also be alerted whenever you make a transaction with K Ring, showing its value, location, available balance and which ring you used.

You’ll be able to control which authentication alerts you receive in your account Settings, which makes it easy to avoid having your K Ring declined for not having authenticated your identity.

Similarly, you will also be alerted if your K Ring is declined; this message will provide details, including (when possible) the reason.

Find out more about authentication and how it affects your use of K Ring.

*Alerts delivered via SMS or via the K Ring app, available for iOS and Android from July 2021