You were about to complete a payment when a sudden identity verification request appeared — and the transaction stopped.
This situation often feels alarming because the payment process was already in progress before being interrupted.
In most cases, this is not an error but a real-time security trigger activated during transaction authorization.
Why Identity Verification Suddenly Appears
- Unrecognized device or browser session detected
- Location or IP address risk flagged
- High-value or unusual purchase pattern
- Cross-border transaction risk scoring
Payment systems continuously evaluate fraud risk even after you press the payment button.
Common Verification Methods Used
- 3D Secure authentication window
- SMS one-time password confirmation
- Banking app approval request
- Email or biometric verification
If verification is not completed, the payment session expires automatically.
How To Complete the Payment Successfully
- Finish the authentication within the time limit
- Disable VPN or masked IP connections
- Ensure your phone number is updated with the bank
- Retry the payment after verification approval
Once identity confirmation succeeds, most payments resume without requiring a new transaction attempt.
When You Should Contact Your Bank
- Verification requests repeatedly fail
- No authentication message is received
- Your number or email is outdated
- The payment is flagged despite approval
Bank-side approval resets risk scoring and prevents repeated interruptions.
Sudden identity verification during payment is a protective fraud-prevention step — not a billing failure.
Completing authentication promptly ensures the transaction proceeds safely.