Who is an authorised user for a business current account, and why are they important for Visa Business Debit cardholders making online payments?

An authorised user is the person who is authorised to use 365 online for any Bank of Ireland business current account. There is typically only one authorised user for each account.

It is important to know who that person is, particularly when there is more than just one cardholder using the business’s Visa Business Debit card to make payments.

Because of the introduction of Strong Customer Authentication, the authorised user will now need to confirm that certain online payments or purchases are genuine. They will need to do this whether it’s them or an additional cardholder making the transaction. The authorised user will have 45 seconds to approve the payment, so is important that they are aware when transactions are being made by additional cardholders.

Strong Customer Authentication or SCA is a European legal requirement to increase security for online payments and reduce fraud.

If you are not registered for 365 online you will need to do so before you can authenticate online payments using a debit card.