Protect your payments with your Online Payments Code ‘Code Paiements en Ligne’

• you can access your 4-digit Online Payments Code from your HSBC France mobile app and in online banking. You can also ask us to send your code by post if you don't have online banking.
  
• if you’ve never logged on to your HSBC France mobile app or online banking ‘Ma banque en ligne’, follow the simple steps to get full secure access with HSBC Secure Key.
• if you’ve just opened an account with HSBC, your Online Payments Code will be sent to you by post. Once you have access to online banking, you can find and customise your code in your HSBC France mobile app or online banking ‘Ma banque en ligne’.

You can find your Online Payments Code at any time in your HSBC France mobile app or online banking ‘Ma banque en ligne’.

If you aren’t registered for online banking, call your relationship manager or call 0 810 246 810 (Service €0.09 per call + call price. Monday to Friday 08:00-20:00; Saturday 09:00-17:30)⁽²⁾. They can send your Online Payments Code to you by post.

No, you won’t have to pay for your code to be resent by post. You can also find it for free in your HSBC France mobile app or online banking ‘Ma banque en ligne’.

Let us know straight away. Contact your relationship manager or call 0 810 246 810 (Service €0.09 per call + call price. Monday to Friday 08:00-20:00; Saturday 09:00-17:30)⁽²⁾ and we’ll give you a new Online Payments Code.

Yes, your Online Payments Code is strictly personal. If your card is for a joint account, both of you will get your own Online Payments Code.

Simply log on to your HSBC France mobile app or online banking ‘Ma banque en ligne’ using your own credentials to get your personal Online Payments Code.

No, your Online Payments Code is valid for all your HSBC bank cards, whether they’re for personal, business or corporate accounts⁽¹⁾.

No. Even if you have some access to the account, such as power of attorney, you won’t get an Online Payments Code. The code is personal to the cardholder.

No. If you cancel your card, your Online Payments Code stays the same and is valid for all your other cards.

No. Your Online Payments Code stays the same and you can still use it when you get your replacement card.

Your Online Payments Code is permanent, unless you customise it or ask us for a new one.

Visit your mobile app or online banking ‘Ma banque en ligne’. Select the ‘Online Payments Code’ icon, then ‘Personalise’ and follow the simple steps. When your request has been processed, a confirmation screen will tell you the date when the change takes effect within 24 hours (1 business day).

Until then, you can use your previous Online Payments Code. Just make sure you memorise it, as you can’t look up the old code on your HSBC France mobile app or online banking ‘Ma banque en ligne’ after changing it. 

Note: For your security, don’t use easily found numbers like your date of birth, or bank card PIN. You can’t use letters, a logical sequence of numbers such as 1, 2, 3, 4 or a code with 4 identical digits.

If you aren’t registered for online banking, you can’t customise your Online Payments Code. Follow the simple steps to get secure access with HSBC Secure Key, or contact your relationship manager.

However, only your new Online Payments Code is displayed after you modify it.

Some websites can’t support this system. This means you could still have your payment rejected as it doesn’t comply with Banque de France rules.

Haven’t had a one-time SMS code or voice recording or been asked for your Online Payments Code when paying online? This means the website hasn’t used the 3D Secure authentication.

This feature is activated automatically for all your bank cards issued by HSBC in France. You don’t have to do anything.

• when you’re ready to pay on an e-commerce website, a new window will open. Enter your card number, expiry date and 3-digit CVV number. Next, you’ll be asked for your Online Payments Code. Enter the 4 numbers on the screen. Then enter the one-time code on the next screen. Your payment is now confirmed and your online payment complete.
• your bank card number is on the front of your card, along with the expiry date. The CVV number is the last 3 digits in the signature strip on the back of your card.
• you have 5 minutes to enter your Online Payment Code and one-time code to finalise your payment.
  
• you have 3 attempts to enter both your Online Payments Code and one-time SMS code correctly. After that, your transaction will be declined.

For security reasons, you can’t save your Online Payments Code in your browser.

No, Apple Pay transactions stay the same. 

To update your personal details, or your number for one-time passcodes, just log on to your HSBC France mobile app or online banking.

Note: To make online payments, you must give us a valid number.

If you don’t have access to online banking, contact your relationship manager or call 0 810 246 810 (Service €0.09 per call + call price. Monday to Friday 08:00-20:00; Saturday 09:00-17:30)⁽²⁾.

2-step authentication has been set up to protect you and fight the surge in fraudulent online payments. It became mandatory once the Second Directive on Payment Services (‘DSP2’ - PDF in French language only) came into effect.

The 2-step authentication put in place by HSBC is based on an Online Payments Code known only by you and a one-time SMS code sent to the mobile number you gave us.

3D Secure technology helps protect your online card payments with a one-time code sent by SMS or voice server.

Learn more about 3D Secure technology (PDF in French language only).

However, the 2-step authentication system, reinforced by the Online Payments Code for every purchase, offers even more security.