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Blog Archive

Posted on: Thursday 21st January, 2021

Endeavour is proud to announce that it has been approved as a TSP for UnionPay International; Endeavour is now offering 3DSecure services to Merchants, Payment Providers or Acquiring Banks accepting online payments via UnionPay Credit Cards.

Posted on: Saturday 19th December, 2020
Posted on: Tuesday 1st December, 2020
Posted on: Tuesday 20th October, 2020

3DSecure 2 introduces four types of transactions for which an SCA Exemption can occur when conditions are met. These are Transaction Risk Analysis (TRA), Low Value Payments, Trusted Beneficiaries and Secure Corporate Payments.

Posted on: Monday 12th October, 2020

SCA goes into affect early across some European countries.

Posted on: Saturday 10th October, 2020

Information Only Authentication is the perfect way to interact with the Issuer and influence the outcome of the Authorization when a direct Authentication with the Cardholder present is not possible.

Posted on: Friday 9th October, 2020

Decoupled Authentication allows a merchant to send an authentication request to a cardholder who is not available online at the time.

Posted on: Thursday 8th October, 2020

Merchant Initiated Transactions are a whole class of Transactions dealing with cases where where the cardholder is not available for Authentication.

Posted on: Sunday 4th October, 2020

Under PSD2, strong customer authentication (SCA) is required on all payer-initiated transactions when both the card issuer and acquirer are within the EEA.

If only one of the two parties is within the EEA, SCA is not required but there may be consequences. This type of transaction where either the payee or payer is in a country outside the EEA, such as the US, is called a ‘One-Leg’ or 'one leg out' transaction.

Under the PSD2 directive, these transactions fall within scope.

Posted on: Friday 18th September, 2020

Failed Authentication is about to become the main reason for failed transactions: When examining failed transactions the focus has always been on the Authorization Stage. What was the reason for the failed transaction ? Was it insufficient funds, was there a technical issue, did the card holder exceed his spending limits (often dictated by a need to limit possible fraud), was it the MCC code, did the Issuer decide it was not worth the risk ?

Posted on: Thursday 17th September, 2020

One of the milestones for 2020 will be the migration of 3DSecure Authentication to Version 2. Deadlines vary for different regions but cross border business will be impacted sooner than any regional requirements. We have been supporting integrations into version 2 for the last few months and we are seeing an upsurge in integrations now that we are in 2020.

Posted on: Thursday 17th September, 2020

Endeavour 3DSecure has continued its tradition of providing an exceptionally flexible sandbox to support Payment Gateways integrating with Acquirers or 3DSServer and for Merchants to have a comprehensive test environment to ensure flawless support for two factor authentication.

Full support for major card brands and banks

Making eCommerce Safe

Be in the know

Industry news, events and major releases.

Recurring Transactions, Merchant Initiated Transactions and Stored Credentials
Posted on: Thursday 23rd June, 2022

The subscription model has gained in popularity but as anyone with experience with these type of payments knows, the model can lead to disputes through lack of clarity, misuse or poor management.

Visa guidelines for mandatory rolling out of EMV 3DSecure for Asia Pacific
Posted on: Wednesday 4th May, 2022

Visa has issued guidelines for rolling out of EMV 3DS for the Asia Pacific Region. Countries covered: Australia, Cambodia, Hong Kong, India, Indonesia, Macau, Malaysia, New Zealand, Philippines, Singapore, Hong Kong, South Korea, Taiwan, Thailand and Vietnam.

Visa & Mastercard Mandate: Impacts of the 8-Digit BINs Extension
Posted on: Monday 28th February, 2022

Important changes to BIN codes, the lynch pin of credit card payments.

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Kindly note that we do not support cardholders wanting to activate 3D Secure on their card. Please contact your bank directly using the phone number provided on the back of your card.