The European Banking Authority published an opinion on the elements of strong customer authentication (SCA) under the second Payment Services Directive 2015/2366 (PSD2), which is to regulate payment services and payment service providers throughout the European Union (EU) and European Economic Area (EEA).  3D Secure 2 (3DS2) satisfies the SCA requirement under the PSD2.  The steps to take advantage of this technology, which offers reduced fraud rates, increased acceptance rates and overall increased confidence in ecommerce, depends on your checkout implementation as follows.

Required actions before September 2020:

  • If you are integrated into our Envoy checkout solution, there is no work required on your part.
  • If you are integrated into our Checkout API 2 solution, update your implementation to comply with the PSD2 and support Strong Customer Authentication for your international customers before September 2020.  Please read the documentation that contains the implementation details necessary for staying in compliance with the Payment Services Directive (“PSD2”). Additionally, you can learn more about switching your implementation to Envoy to avoid technical work like this, along with other benefits, here.

For any other additional information, you can access the full text of the directive on the European Commission’s website.