Banking feeds and "Strong Customer Authentication"

finance21 · ‎August 05, 2021

According to this list both of my banks (CAF and The Co-operative) offer a connection using SCA. For both, it says: "Bank connection is available using Strong Customer Authentication (SCA). You will need to enter your user ID and password when you update new transactions."

But on QuickBooks Online if I try to make a connection it says, "Banking regulation changes have impacted your [bank] connection. To keep those transactions updated, use QuickBooks on the web to upload data with a file from your bank."

So which is true?

EmmaM · ‎August 05, 2021

Hello Finance21, For Caf and The Co-op bank it should ask for security, so for the Co-op for example it is cust id, user id, and password, and then it should connect. Does it allow you to get that far when you access QB on a pc browser?

finance21 · ‎August 05, 2021

No, on the banking screen there is only the option to upload a file. If I click on 'manage connections' I just get links to the FAQ like this:

finance21 · ‎August 05, 2021

Oh, it seems instead of going to 'manage connections' you have to go to 'link account' and start again from there. I entered my banking credentials and nothing happened but then the message on the banking screen changed to 'verify your ID' so I entered them again and then it worked.

View solution in original post

EmmaM · ‎August 05, 2021

Hello Finance21, Can I get you to go to the dropdown by upload a file and there should be an option to link account> then rather than manage the existing connection it should give you the option to add new. Do you see that in the link account section if you search for the bank name|?

finance21 · ‎August 05, 2021

Yes, see my message above - it does work if you treat it as a new connection instead of an exisiting one.

It would be good if the messages on QBO could be updated to reflect this.

EmmaM · ‎August 05, 2021

Hello Finance21, Thanks for your feedback we will pass that on to the content team for the Community articles. Happy to hear that works for you as a new connection.

davidhalliwell · ‎July 05, 2023

I am having the same issue with a link to CAF Bank.

"code": "MANDATORY_CERT_MISSING",
  "message": "Missing TPP authentication certificate",
  "docs": "https://secure.mci.cafbank.org/mcidocs/docs.html"

I get the above error message. In this day and age, really???

Ashleigh1 · ‎July 05, 2023

Hello Davidhalliwell, thanks for posting on this thread, do you get the same thing when you do a new connection rather than a reconnect?

davidhalliwell · ‎July 05, 2023

I only get this when attempting to connect to a second bank (CAF in this case). Our initial connection (to Barclays) works fine.

Ashleigh1 · ‎July 05, 2023

Hello Davidhalliwell, are you using a computer when connecting CAF? It looks like a browser issue, can you please try clearing your cache and cookies, to all time, close the browser down, reload it and try connect it up again.

davidhalliwell · ‎July 05, 2023

Thank you but I am still getting the same error (and yes I am on a computer using Chrome)

Ashleigh1 · ‎July 05, 2023

Thanks for trying that, David. Please contact our support team by following this link, so you can set up a screenshare with the agent, so this can be looked into more. The line is open mon to fri 8 am to 7 pm, and is free from any UK landline or mobile.