Latest information about 28 degrees card

[Coops1]

Hello all, no recent posts on using 28 Degrees for online purchases while overseas, eg train tickets, hotels via booking.com etc. So thoughts on the following:?

Will likely be travelling without access to 2FA, so won’t get access to SMSs to verify (where applicable) the online purchase. Anybody with recent experiences? Any alternate verifications able to be used for online purchases?

cheers
coops1

 

[MEL_Traveller]

Hello all, no recent posts on using 28 Degrees for online purchases while overseas, eg train tickets, hotels via booking.com etc. So thoughts on the following:?

Will likely be travelling without access to 2FA, so won’t get access to SMSs to verify (where applicable) the online purchase. Anybody with recent experiences? Any alternate verifications able to be used for online purchases?

cheers
coops1

I use amaysim. $10 a month, PAYG.

Receives texts overseas free of charge, and no daily roaming fee.

I've had several PINs sent this way.

They also offer a PAYG text/call when o/s. 50c a pop. You need to load up additional cash b4 u go o/s to cover this.

I put on $10, allowed me to reply to CC requests such as 'reply 1 to approve'.

Any balance you load up this way comes off next month's bill, so if you're keeping the number for a month or two it works out ok.

In a month o/s I got four or five PINs (all free to receive), and made two outbound confirmations, $1

 

[SYD]

Hello all, no recent posts on using 28 Degrees for online purchases while overseas, eg train tickets, hotels via booking.com etc. So thoughts on the following:?

Will likely be travelling without access to 2FA, so won’t get access to SMSs to verify (where applicable) the online purchase. Anybody with recent experiences? Any alternate verifications able to be used for online purchases?

cheers
coops1

What telco are you using at home? The main ones allow free receipt of SMS (put charge PAYG for sending SMS, making calls and using date Or get a roaming plan).

Otherwise, using 28deg out and about (in person) usually doesn't require 2FA.

 

[Coops1]

What telco are you using at home? The main ones allow free receipt of SMS (put charge PAYG for sending SMS, making calls and using date Or get a roaming plan).

Otherwise, using 28deg out and about (in person) usually doesn't require 2FA.

Boost! So no SMS. Not worried about in person, never an issue. It's the online ones.

Has anybody used dob or credit limit as the verification?

 

[asterix]

Boost! So no SMS. Not worried about in person, never an issue. It's the online ones.

Has anybody used dob or credit limit as the verification?

Boost is receiving SMS overseas now. I was in Indonesia, Singapore and Malaysia in December 2022 and was receiving SMS fine.

 

[Pushka]

What telco are you using at home? The main ones allow free receipt of SMS (put charge PAYG for sending SMS, making calls and using date Or get a roaming plan).

Otherwise, using 28deg out and about (in person) usually doesn't require 2FA.

Only in Zone 1 countries though, well, that's for Optus. Basically no Middle East countries in zone 1.

 

[SYD]

Only in Zone 1 countries though, well, that's for Optus. Basically no Middle East countries in zone 1.

UAE and Qatar are Zone 1. In general, with Optus (and Telstra, probably Vodafone) if your phone can connect (roam) to a local network, you can receive an SMS. If there’s zero roaming agreement, then no bars and no SMS. eg NLK!

Pretty sure the Optus “Zones” are about which countries you can call to while in Oz (if you plan supports), plus which countries have roaming inclusions or those that are PAYG. Yes, any countries not in Zone 1 or 2 generally have zero roaming agreement.

https://www.optus.com.au/mobile/plans/international-roaming/postpaid-rates

There’s some quirks with Optus plans. I can be in the NL and make unlimited calls/SMS but calling from Oz is PAYG (as I discovered)…

Apparently Telstra‘s WiFi calling can plug some gaps but Optus only has domestic wifi calling….

 

[SYD]

Hello all, no recent posts on using 28 Degrees for online purchases while overseas, eg train tickets, hotels via booking.com etc. So thoughts on the following:?

Will likely be travelling without access to 2FA, so won’t get access to SMSs to verify (where applicable) the online purchase. Anybody with recent experiences? Any alternate verifications able to be used for online purchases?

cheers
coops1

So, we’ve been travelling in LOTFAP (aka USA) for several weeks. Everything is going on 28° and nothing we’ve tapped or inserted has required 2FA. Even bought stuff online - no 2FA.

Meanwhile, we‘ve both tried to increase our credit limits and that process has been entirely unsatisfactory… Really cough customer service.

 

[theblank]

So, we’ve been travelling in LOTFAP (aka USA) for several weeks. Everything is going on 28° and nothing we’ve tapped or inserted has required 2FA. Even bought stuff online - no 2FA.

I am fairly sure there is no such thing as 2FA with card present payments. Its only for online purchases.

 

[SYD]

I am fairly sure there is no such thing as 2FA with card present payments. Its only for online purchases.

Correct. But we‘ve pre-purchased tickets and stuff online while away and no 2FA.

Only some things seem to go through the 2FA process. BA being one in my experience.

 

[oz_mark]

I am fairly sure there is no such thing as 2FA with card present payments. Its only for online purchases.

When you need to enter your PIN it is 2FA.
Your card is something you have
Your PIN is something you know.

 

[vetrade]

When you need to enter your PIN it is 2FA.
Your card is something you have
Your PIN is something you know.

Don't understand that comment.
Your PIN is "first factor" authentication and the "second factor" is a one time code you get via SMS.
The discussion point is that if you can't receive SMS's, you can't authenticate the one time code

 

[SYD]

Don't understand that comment.
Your PIN is "first factor" authentication and the "second factor" is a one time code you get via SMS.
The discussion point is that if you can't receive SMS's, you can't authenticate the one time code

When someone presents a physical card and valid pin, that’s usually good enough.

Purchasing online might trigger 2FA - but not always.

 

[vetrade]

When someone presents a physical card and valid pin, that’s usually good enough.

Purchasing online might trigger 2FA - but not always.

Yes, that's correct, but just presenting your card and entering the pin is not 2FA, as oz mark asserted.
The act of presenting the card is, of itself, not an "authentication". "Authentication" is a means of proving you are using the card legitimately.

 

[oz_mark]

Yes, that's correct, but just presenting your card and entering the pin is not 2FA, as oz mark asserted.
The act of presenting the card is, of itself, not an "authentication". "Authentication" is a means of proving you are using the card legitimately.

But it is 2FA from the point of view of accessing funds in your account. Having a card is one factor (something you have) that allows it, having the PIN is a second factor (something you know).

Let's ask Norton (What is two-factor authentication (2FA)?)

You may already be using two-factor authentication on some of your accounts, even though you may not be aware of it. Your ATM card is one example of 2FA, because you must present both your physical card and enter your PIN to access your bank account.

Let's ask Thales (Does your bank use two-factor authentication? - Just Ask Gemalto)

It is like when you make an ATM withdrawal or a chip and PIN purchase, because you need both an ATM/payment card and a PIN code. Bankers call this “two-factor” authentication.

 

[Anna]

In UK I was asked by various retailers to sign when using this card. How modern. Including at M&S Food when I bought an apple costing 65p But hotels charging hundreds of pounds were happy to accept a tap of the card with no 2FA.

 

[Coops1]

The question related to online transactions, as it's never an issue with physical card/pin/sign.

We required 2FA for all online transactions in Europe and UK, for restaurant bookings, show tickets and also toll payments. Lucky I changed the 2FA to my partners Amaysin number, it received sms ok.

 

[SYD]

The question related to online transactions, as it's never an issue with physical card/pin/sign.

We required 2FA for all online transactions in Europe and UK, for restaurant bookings, show tickets and also toll payments. Lucky I changed the 2FA to my partners Amaysin number, it received sms ok.

That does seem to be a UK/Euro thing (regardless of being at home or OS).

I’ve not had 2FA trigger paying online in the US before and during this trip (eg theatre tix, galleries etc).

 

[mel-world]

No problems at all using this card during 6 weeks in UK and Europe, just competed.

I did not use Google Pay (after problems last year in Canada) but used the physical card and occassionally had to sign but normally just touch and go, even for significant amounts. The few times I needed to provide 2FA (paying for tours, bookings), I did recieve an SMS from Australia on my BOOST SIM, even though I was not using that SIM for any other purpose (calls or data).

 

[SYD]

We’re seeing the DCC option appearing a lot on POS machines in Spain. Quickly press EUR and move on. No dramas otherwise.

We don’t get the DCC option using ING debit (VISA), so maybe it’s a MC thing plus the merchant machine setup.