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.

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.

Affective from 1st December, Issuers in the EU/EEA are required to implement strong consumer authentication (SCA) of payers; SCA will ensure payers are in control of their funds and will also combat fraud.

We are witness to the birth of a new era.

Travel industry faces particular challenges to adopted to Strong Consumer Authentication.

If improving approved transactions by 14% is important to you, contact our specialists to understand how our custom integration can help you create a frictionless experience.

Recurring transactions arise when Merchants need to collect regular payments from the cardholders, without waiting for the cardholders to make the payment themselves. TV subscriptions, utility bill payments etc. are typical of these payments

3DSecure 2.0 continues to build on 1.0.2 but the changes are significant and while the two protocols will run in parallel, they are not compatible. 3DSecure MPI providers will be responsible for sending the right version of messages to an Issuer depending on the capabilities of that issuer.

The card industry is not self-regulating but must abide by the laws and regulations of every country where cards payments are accepted; it may be a global payment system but one that abides to national laws.

3DS 2.0 will work natively on mobile phones and other devices. This means that apps will be able to integrate Authentication directly. A SDK will be provided to enable this functionality. The SDK will interact with the Issuer to ensure the proper rendering of displays.

The amount of merchant data which 3DS 2.0 is able to collect is truly large, beyond the capabilities of smaller merchants which may not have the technology and sophistication to collect and present this data.

The European Banking Authority (EBA) has released an opinion stating that the revised deadline for migration to SCA has been set at 31 December 2020, a 15-month extension from the original implementation date of 14 September 2019.