PSD2 Europe

3D Secure and PSD2 Strong Customer Authentication: A Guide for European and UK PSPs

PSD2 SCA requires most remote card payments in the EU and UK to use at least two independent authentication factors. EMV 3DS2 is the main way to meet this for card‑not‑present transactions, via challenges or eligible frictionless exemptions.

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EMV 3D SEcire 2 Guide 2026

What Is 3D Secure? A Complete 2026 Guide for Enterprise Payment Teams

3D Secure (3DS) is a payment authentication protocol that protects card-not-present transactions by adding a real-time identity verification step between the cardholder, their issuing bank, and the merchant. 

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EMV 3DS 2.x vs 3DS 1.0: What Changed and Why It Matters

EMV 3DS 2.x replaced 3DS 1.0 by shifting from static password authentication to risk-based authentication using more than 100 transaction data elements. The result is that over 90 percent of transactions are now approved frictionlessly without customer interaction.

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The Evolution from Mobile SDK to Default SDK in EMV 3DS 

Mobile authentication has changed noticeably since the early days of EMV 3DS. The original Mobile SDK was designed at a time when device operating systems, app security frameworks, and authentication methods were developing at different speeds.…
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Payment Tokenisation: Simplifying Security in the Digital Payments Ecosystem

What is Payment Tokenisation? Payment tokenisation is the process of replacing real payment data, such as a card number, with a unique, randomly generated identifier known as a token. Unlike encryption, where data can be decoded with the…
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GPayments Partners with Apaya to Expand Fraud Prevention Capabilities in the MENA Region

Sydney / Dubai, September 2025 – GPayments, a global leader in payment authentication and fraud prevention solutions, has entered into a strategic partnership with Apaya, the Middle East and Africa’s leading payment orchestration and FinTech…
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3D Secure Liability Shift in the United States: What’s Covered and What Isn’t

3D Secure (3DS) can move fraud liability off the merchant and onto the issuer, but only in specific cases. This article explains when liability shift applies in the US, when it does not, and what evidence your team should include when a dispute…
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3D Secure 2 Explained for US Merchants: What’s New and Why It Matters

If 3D Secure still means clunky redirects and forgotten passwords to your team, you are thinking of 3DS1. EMV 3D Secure 2 primarily operates in the background, incorporates mobile-friendly SDKs, and provides richer data, enabling issuers to…
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The Secure Future of Digital India: 3D Secure as Growth Catalyst

India's digital payment ecosystem is experiencing an explosive growth, with a staggering 44% compounded annual growth rate (CAGR) in the last fiscal year and over 95% of banking transactions now digitised. This monumental shift, championed…
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