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sebtron 3 hours ago

I can pay with iDEAL without interacting with a smartphone, using only my laptop and a physical 2FA device provided by my bank. Do you know if this will be possible with Wero?

microtonal 3 hours ago | parent | next [-]

I am not 100% sure, but I think PSD3 will require that authentication methods without a smartphone are provided:

https://ec.europa.eu/commission/presscorner/detail/fr/qanda_...

Require payment services providers to ensure that all users can benefit from methods to perform SCA which are adapted to their needs and situations and, in particular, that those methods do not depend on one single technology, device or mechanism, for instance on the possession of a smartphone.

Muromec 3 hours ago | parent | prev [-]

It's up to your bank actually. Banks (generally) don't want to pay for your hardware key so you need to do a special dance to trigger their compliance bound neural pathways to send you one.

But then the true bliss will arrive the next year with eidas 3.0 or whatever it is called

haagch 26 minutes ago | parent | next [-]

I have German bank accounts at two different banks and can send SEPA SCT instant transactions via webinterface and physical tan generator with both of them. Wero however is restricted to mobile apps regardless of what your tan generator is and in fact from what I heard, banks generally force you to switch to mobile app tan generators when opting into Wero.

The GLS bank implies it's not up to them. Generally I feel like implementation details are intentionally not made public. For example so far there is no definitive statement on the public internet I could find about whether iDEAL web based payments will still be available after iDEAL will actually switch to Wero. Statements like "For consumers, the online payment experience will remain largely unchanged, as they will continue to pay through their own bank." are always kept vague.

Freak_NL 2 hours ago | parent | prev [-]

In the Netherlands this boils down to the 'system banks' (the big ones like ING, ABN AMRO, Rabobank, etc.) which grudgingly offer hardware devices for people who won't or can't use a smartphone, and the neobanks (like Revolut, Knab, and Bunq) which make an Android or IOS smartphone a hard requirement.

weberer 39 minutes ago | parent [-]

With Nordea, you get a code book full of one-time codes.