3D Secure Is Being Updated

Tue 19th Mar 2019

3D Secure, better known as ‘Verified by Visa’ & ‘Mastercard SecureCode’ is a customer validation mechanism that was introduced to reduce online card fraud.

The changes to 3D Secure (known as 3D Secure 2.0) will start to be introduced by merchant banks & acquirers in the spring & continue to be rolled out across the summer.

The way your website is integrated with your payment gateway provider will determine the steps you need to take to ensure you are ready for these changes.

Strong Customer Authentication, Two Steps

SCA requires a two-step authentication process (also known as ‘two factor authentication’) for verification of online payments, these include:

1. Something you know e.g. PIN
2. Something you have e.g. mobile phone
3. Something you are e.g. fingerprint

By September, transactions that don’t have this two-step validation may be declined