Dáil Éireann Debate, Tuesday - 17 May 2022
198. Deputy Seán Haughey asked the Minister for Transport if he will update the motor tax website facilitating online payments of motor tax in order that payments can be made from bank accounts which have extra security features such as push-button notifications; and if he will make a statement on the matter. [24119/22]
Amharc ar fhreagraThe EU Payments Services Directive 2 (PSD2) require Strong Customer Authentication (SCA) to be used for all electronic transactions. The Directive requires all online service providers to capture additional transaction information pertaining to the cardholder and to send this to the cardholder’s bank. The cardholder’s banks use this data to verify the cardholder, with the intention of making the transaction process as seamless as possible, and remove or reduce any extra layer of friction at the payment stage. The aim of the Directive is to reduce online fraud and increase cardholder confidence in using online services.
My Departments Online motor tax service, at www.motortax.ie, is fully compliant with the Directive's requirements. All necessary technical changes have been made to the website to facilitate the requirements, and my officials worked directly with the banking institutions to ensure any initial teething troubles were addressed.
It is important to note however the requirement ensures that electronic payments are performed with multifactor authentication to increase the security of electronic payments. Such multifactor authentication can require a cardholder having to download their bank’s app on their mobile phone or tablet; or amend settings on the device to enable notifications to be received. This may require the cardholder having to engage directly with their bank to address any issues they may have in this regard. My officials also provide assistance for such issues.
