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Get ready for 3D Secure 2.0.

Payment authentication is changing. It’s time to get prepared.

Get Started Now

3DS 2 Intro

On September 14th 2019, new requirements for authenticating online payments were rolled out in Europe as part of PSD2, or the second Payment Services Directive. As part of this, there is a new set of technical standards required for payment authentication known as Strong Customer Authentication (SCA), designed to help reduce fraud and increase security for end users.

What You Need To Know

One of the most important changes to come with the introduction of PSD2 is the implementation of 3D Secure 2.0, a mandatory update to the 3D Secure payment processing system from EMVCo.

As the world of finance has developed, and the need for more robust security measures has increased, static password systems have become insecure and outdated.

The new version of 3D Secure enables mobile support, biometric validation, and streamlines the checkout experience for the customer, resulting in less cart abandonment and a better conversion rate for eCommerce businesses.

To help you with the process we’ve updated our Development Centre with an Introduction to 3D Secure 2.0.

Visit the Development Centre

Strong Customer Authentication (SCA)

In order to accept payments under the new European SCA requirements,
you need to ensure your customer can authenticate for a payment using two of the following:

Something They Know

A password, a PIN code, a security question.

Something They Have

A mobile phone or a hardware token.

Something They Are

A fingerprint or facial recognition.

3DS2 will allow you to process transactions using the above,handle exemptions from
SCA transactions in different business models, and work with more complex payment use cases.

Find Out More

What You Need To Do

The EU regulators are implementing a phase-in approach for 3DS2 over an 18 month period. The PSD2 mandate started on the 14th of September so, to avoid an increase in declines, we ask all merchants to implement 3DS 2 as soon as possible.

Make sure you plan out your 3DS 2 solution by 14th March 2020, ensuring that your software is updated, specifically for the financial authorities of the EU regions in your market. This means that you must update your integration to support 3DS 2 by 14th March 2020, or your new merchant applications may be declined.

Active monitoring and suspension of merchants who have not yet updated to 3DS 2 will begin on December 31st 2020.

If you need more information or if you have any concerns, please get in touch with your Partner Manager, and read our post on 3DS 2 below.

Do merchants have anything to fear from 3DS 2.0?

Timeline

From 1st February 2020, we expect issuers will begin to enforce transactions using risk-based authentication and one-time passwords (OTP)

14th March 2020 - Visa are Mandating for all EEA Card issuers to support 3DS2 by March 14, 2020 so we highly recommend that you have your 3DS2 Technology in place to start Strong Customer Authentication”

31st December 2020 -  “European Banking Authority announced SCA enforcement date as of the 31st December 2020. Countries across the EEA are generally expected to follow this new timeline”

3DS 2.2 mandate needs to be implemented by 31st December 2020

Active supervision and monitoring will begin on 31st December 2020

14th March 2021 – “FSA expected enforcement date for the UK for SCA”

 

Should you have any other enquiries, check our FAQs or please contact us.

Paysafe – London
UK: 0800 294 1404INT: +44 (0) 118 928 5075
e: uk.customerservice@paysafe.com

Your business, we've got the solution that works for you.

Your customers expect secure, seamless transactions. We support all the major card schemes so you can process payments in over 100 currencies from wherever your business is heading.

Integration

Plug and Play
Easy set up and connection to a range of tailor made and customisable payment solutions

24hr Support
Dedicated technical and customer support, whenever you need it.

A Single API
One API giving you access everything, from payment acceptance to wallets and APMs.

Our latest thinking

Why security is still the primary concern for online businesses and consumers

Nov 12, 2020 - Our latest Lost in Transaction research report asked businesses about how they had been affected by COVID-19, and their plans moving forward. The security of their checkouts, and alternative payment methods, are top of their agendas.

  • Danny Chazonoff, Chief Operating Officer
  • Five minutes
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Our latest Lost in Transaction research report asked businesses about how they had been affected by COVID-19, and their plans moving forward. The security of their checkouts, and alternative payment methods, are top of their agendas.

Read more
Are consumers using payment methods to track their spending more accurately?

Nov 10, 2020 - Businesses have noticed a change in the way people are paying since the outbreak of COVID-19. Could a new focus on managing their finances be a reason? And if so, how can alternative payments methods make a difference in this area?

  • Lorenzo Pellegrino, CEO - Skrill, NETELLER and Income Access
  • Four minutes
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Businesses have noticed a change in the way people are paying since the outbreak of COVID-19. Could a new focus on managing their finances be a reason? And if so, how can alternative payments methods make a difference in this area?

Read more
The EMV liability shift: Gas stations still have a lot of work to do

Nov 03, 2020 - With six months to go until the EMV deadline, we take a look at how gas stations have progressed since the latest extension and how far they have to go.

  • Lori Griboski, VP, Petroleum Sales
  • Five minutes
Read more

With six months to go until the EMV deadline, we take a look at how gas stations have progressed since the latest extension and how far they have to go.

Read more

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