Tag Archive for: RBA

What the RBA Review Feedback Means for Card-Not-Present Authentication

On 6 October 2026 the Reserve Bank of Australia (RBA) published its summary of the 75 submissions to the Issues Paper for its Review of Payments System Regulation. Most of the attention has gone to mobile wallets, American Express and debit…

What Australia’s 1 October Payment Reforms Do and Do Not Change for 3D Secure

On 1 October 2026, two parts of the Reserve Bank of Australia's (RBA) review of merchant card payment costs took effect. Merchants can no longer surcharge card payments on the eftpos, Mastercard, and Visa networks, and the caps on interchange…

RBA Rule Tuning: A Practical Guide to Improving Frictionless Authentication Rates

Frictionless authentication rates vary enormously between issuers running the same EMV 3DS specification, and the gap is rarely down to the ACS software itself. It's down to configuration: how much data is being fed into the risk engine, how…