European legislation (PSD2) requires two-factor authentication (also called 2FA) for online transactions with your business credit card. For many online payments, you’ll need the ING Commercial Card App as the second factor, in addition to the details you normally enter online, to confirm you’re the actual cardholder. This helps prevent online fraud.
"},"title":"Why do I need to confirm my online transaction in the app?"},{"richBody":{"value":"The webshop page always shows whether the payment was successful or not. That information is decisive.
"},"title":"How do I know if my payment was successful or declined?"},{"richBody":{"value":"Tap More and select Push Notifications. Follow the steps in the menu. These steps depend on your device type. Enabling push notifications is recommended for smooth use.
"},"title":"How do I enable push notifications?"},{"richBody":{"value":"Your payment can be declined for several reasons, such as a block, arrears, or insufficient spending limit.
How much time do I have to approve the transaction in the app?
You have 5 minutes to approve the transaction. If the request expires, restart the transaction in the webshop.
"},"title":"I don’t receive a request to approve the transaction in the app, but it’s still declined. Why?"},{"richBody":{"value":"If the webshop where you make the online purchase doesn’t use this mandatory extra security step, we can’t verify your transaction. The transaction may then be declined.
"},"title":"Why is my transaction declined?"},{"richBody":{"value":"If the webshop where you make the online purchase doesn’t use this mandatory extra security step, we can’t verify your transaction. The transaction may then be declined.
Your payment can be declined for several reasons, such as a block, arrears, or insufficient spending limit.
"},"title":"Why are my foreign transactions declined?"},{"richBody":{"value":"No, approval isn’t always required. Whether your transaction needs approval depends on several factors.
"},"title":"Do I always need to confirm an online transaction in the app?"},{"richBody":{"value":"If something went wrong in the communication between the webshop and ING, try the payment again. If it still doesn’t work, contact our Customer Service.
"},"title":"I get a message during an online payment that the request has expired. What should I do?"},{"richBody":{"value":"Tap 'More' to go to your app settings. Here you can set up biometrics. We recommend enabling biometrics for a user-friendly experience.
"},"title":"How do I set up biometrics in the app?"}],"componentType":"accordion"},{"componentType":"linkList","iconTitle":{"title":"Also interesting"},"textLinks":[{"text":"Change or manage your business credit card","url":"/en/business/payments/business-credit-cards/services"},{"text":"ING Commercial Card App","url":"/en/business/payments/business-credit-cards/ing-commercial-card"},{"text":"Everything about business credit cards","url":"/en/business/payments/business-credit-cards"}]}]},"hasMacro":false,"id":"fb04c206-c94e-4a23-8da9-b4401f8a445b","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Business Credit cards","url":"/en/business/payments/business-credit-cards"}},"componentType":"productHeader","coreHeader":{"headerImage":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/6acaf7b37f85c370/original/Two-smiling-young-women-holding-hands-on-a-pedestrian-crossing-in-the-street.jpg","transformBaseUrl":"https://assets.ing.com/transform/e43a02cb-ce3c-4c03-a778-2b9dc6cdb53a/Two-smiling-young-women-holding-hands-on-a-pedestrian-crossing-in-the-street","type":"image","width":5253},"subtitle":"Find answers about confirming your online transaction with your business credit card via mobile.","title":"Frequently asked questions mobile confirmation of online transactions"}},"publishDate":"2026-06-05T15:58:53.192+02:00"}}