{"id":1103,"date":"2022-05-16T17:01:03","date_gmt":"2022-05-16T07:01:03","guid":{"rendered":"https:\/\/54.66.202.3\/?page_id=1103"},"modified":"2024-02-12T11:59:41","modified_gmt":"2024-02-12T01:59:41","slug":"gpayments-blog","status":"publish","type":"page","link":"https:\/\/www.gpayments.com\/blog\/","title":{"rendered":"Blog"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l3a6tcw8-0423e88555197e10233a34375013a0c0\">\n.avia-image-container.av-l3a6tcw8-0423e88555197e10233a34375013a0c0 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-l3a6tcw8-0423e88555197e10233a34375013a0c0 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-l3a6tcw8-0423e88555197e10233a34375013a0c0 av-styling-no-styling avia-align-center  avia-builder-el-0  el_before_av_blog  avia-builder-el-first '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-1609 avia-img-lazy-loading-not-1609 avia_image ' src=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2023\/07\/GP-AFR-2.png\" alt='' title='GP-AFR-2'  height=\"1260\" width=\"3132\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2023\/07\/GP-AFR-2.png 3132w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2023\/07\/GP-AFR-2-300x121.png 300w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2023\/07\/GP-AFR-2-1030x414.png 1030w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2023\/07\/GP-AFR-2-768x309.png 768w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2023\/07\/GP-AFR-2-1536x618.png 1536w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2023\/07\/GP-AFR-2-2048x824.png 2048w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2023\/07\/GP-AFR-2-1500x603.png 1500w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2023\/07\/GP-AFR-2-705x284.png 705w\" sizes=\"(max-width: 3132px) 100vw, 3132px\" \/><\/div><\/div><\/div>\n<div  data-slideshow-options=\"{&quot;animation&quot;:&quot;fade&quot;,&quot;autoplay&quot;:false,&quot;loop_autoplay&quot;:&quot;once&quot;,&quot;interval&quot;:5,&quot;loop_manual&quot;:&quot;manual-endless&quot;,&quot;autoplay_stopper&quot;:false,&quot;noNavigation&quot;:false,&quot;show_slide_delay&quot;:90}\" class='avia-content-slider avia-content-grid-active avia-content-slider1 avia-content-slider-odd  avia-builder-el-1  el_after_av_image  avia-builder-el-last  av-slideshow-ui av-control-default   av-no-slider-navigation av-slideshow-manual av-loop-once av-loop-manual-endless '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Blog\" ><div class=\"avia-content-slider-inner\"><div class=\"slide-entry-wrap\"><article class='slide-entry flex_column  post-entry post-entry-2862 slide-entry-overview slide-loop-1 slide-parity-odd  av_one_third first real-thumbnail posttype-post post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/choosing-3ds-server-acquirers-psps-evaluation-guide\/' data-rel='slide-1' class='slide-image' title='Choosing a 3DS Server: An Evaluation Guide for Acquirers and PSPs'><img decoding=\"async\" loading=\"lazy\" width=\"495\" height=\"400\" src=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/07\/Secure-Payments-495x400.jpg\" class=\"wp-image-2885 avia-img-lazy-loading-2885 attachment-portfolio size-portfolio wp-post-image\" alt=\"\" srcset=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/07\/Secure-Payments-495x400.jpg 495w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/07\/Secure-Payments-845x684.jpg 845w\" sizes=\"auto, (max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\" aria-label=\"Slide: Choosing a 3DS Server: An Evaluation Guide for Acquirers and PSPs\"><span class=\"blog-categories minor-meta\"><a href=\"https:\/\/www.gpayments.com\/blog\/category\/article\/\" rel=\"tag\">Articles<\/a> <\/span><h3 class='slide-entry-title entry-title '  itemprop=\"headline\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/choosing-3ds-server-acquirers-psps-evaluation-guide\/' title='Choosing a 3DS Server: An Evaluation Guide for Acquirers and PSPs'>Choosing a 3DS Server: An Evaluation Guide for Acquirers and PSPs<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\nThe 3DS Server sits on the acquirer side of the 3D Secure protocol: it builds and validates authentication requests, routes them to the correct issuer via the Directory Server, and interprets the result. For acquirers, PSPs, and payment gateways,\u2026<div class=\"read-more-link\"><a href=\"https:\/\/www.gpayments.com\/blog\/article\/choosing-3ds-server-acquirers-psps-evaluation-guide\/\" class=\"more-link\">Read more<span class='more-link-arrow avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='right-open-big' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" role=\"graphics-symbol\" aria-hidden=\"true\">\n<path d=\"M0.416 27.84l11.456-11.84-11.456-11.904q-0.832-0.832 0-1.536 0.832-0.832 1.536 0l12.544 12.608q0.768 0.832 0 1.6l-12.544 12.608q-0.704 0.832-1.536 0-0.832-0.704 0-1.536z\"><\/path>\n<\/svg><\/span><\/a><\/div><\/div><\/div><footer class=\"entry-footer\"><div class=\"slide-meta\"><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-07-22T09:54:34+10:00\" >22 July 2026<\/time><\/div><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/07\/Secure-Payments.jpg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>1333<\/span>\n\t\t\t\t\t\t<span itemprop='width'>2000<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Zeeshan Rizvi<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/blog.gpayments.com\/wp-content\/uploads\/2022\/05\/Logo_Black_on_White_lowres-300x80.png<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Zeeshan Rizvi<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2022-05-16T17:01:03+10:00\" >2026-07-22 09:54:34<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-07-22 09:54:34<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>Choosing a 3DS Server: An Evaluation Guide for Acquirers and PSPs<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-2864 slide-entry-overview slide-loop-2 slide-parity-even  av_one_third  real-thumbnail posttype-post post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/emv-token-vs-network-token-3ds-provisioning\/' data-rel='slide-1' class='slide-image' title='EMV Token vs Network Token: What Issuers Need to Know for 3DS Provisioning'><img decoding=\"async\" loading=\"lazy\" width=\"495\" height=\"400\" src=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/07\/Online-banking-495x400.jpg\" class=\"wp-image-2877 avia-img-lazy-loading-2877 attachment-portfolio size-portfolio wp-post-image\" alt=\"\" srcset=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/07\/Online-banking-495x400.jpg 495w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/07\/Online-banking-845x684.jpg 845w\" sizes=\"auto, (max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\" aria-label=\"Slide: EMV Token vs Network Token: What Issuers Need to Know for 3DS Provisioning\"><span class=\"blog-categories minor-meta\"><a href=\"https:\/\/www.gpayments.com\/blog\/category\/article\/\" rel=\"tag\">Articles<\/a> <\/span><h3 class='slide-entry-title entry-title '  itemprop=\"headline\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/emv-token-vs-network-token-3ds-provisioning\/' title='EMV Token vs Network Token: What Issuers Need to Know for 3DS Provisioning'>EMV Token vs Network Token: What Issuers Need to Know for 3DS Provisioning<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\nTokenisation and 3D Secure get bundled into the same conversation often enough that the distinction between them, and how they need to work together, gets lost. Tokenisation replaces a Primary Account Number (PAN) with a surrogate value so\u2026<div class=\"read-more-link\"><a href=\"https:\/\/www.gpayments.com\/blog\/article\/emv-token-vs-network-token-3ds-provisioning\/\" class=\"more-link\">Read more<span class='more-link-arrow avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='right-open-big' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" role=\"graphics-symbol\" aria-hidden=\"true\">\n<path d=\"M0.416 27.84l11.456-11.84-11.456-11.904q-0.832-0.832 0-1.536 0.832-0.832 1.536 0l12.544 12.608q0.768 0.832 0 1.6l-12.544 12.608q-0.704 0.832-1.536 0-0.832-0.704 0-1.536z\"><\/path>\n<\/svg><\/span><\/a><\/div><\/div><\/div><footer class=\"entry-footer\"><div class=\"slide-meta\"><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-07-20T13:03:56+10:00\" >20 July 2026<\/time><\/div><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/07\/Online-banking-scaled.jpg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>1707<\/span>\n\t\t\t\t\t\t<span itemprop='width'>2560<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Zeeshan Rizvi<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/blog.gpayments.com\/wp-content\/uploads\/2022\/05\/Logo_Black_on_White_lowres-300x80.png<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Zeeshan Rizvi<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2022-05-16T17:01:03+10:00\" >2026-07-20 13:03:56<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-07-20 13:03:57<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>EMV Token vs Network Token: What Issuers Need to Know for 3DS Provisioning<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-2856 slide-entry-overview slide-loop-3 slide-parity-odd  av_one_third  real-thumbnail posttype-post post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/psd3-payment-services-regulation-issuer-readiness\/' data-rel='slide-1' class='slide-image' title='PSD3 and the Payment Services Regulation: What Issuers Need to Do Before Late-2027 Enforcement'><img decoding=\"async\" loading=\"lazy\" width=\"495\" height=\"400\" src=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/07\/PSD3-495x400.jpg\" class=\"wp-image-2861 avia-img-lazy-loading-2861 attachment-portfolio size-portfolio wp-post-image\" alt=\"\" srcset=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/07\/PSD3-495x400.jpg 495w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/07\/PSD3-845x684.jpg 845w\" sizes=\"auto, (max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\" aria-label=\"Slide: PSD3 and the Payment Services Regulation: What Issuers Need to Do Before Late-2027 Enforcement\"><span class=\"blog-categories minor-meta\"><a href=\"https:\/\/www.gpayments.com\/blog\/category\/article\/\" rel=\"tag\">Articles<\/a> <\/span><h3 class='slide-entry-title entry-title '  itemprop=\"headline\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/psd3-payment-services-regulation-issuer-readiness\/' title='PSD3 and the Payment Services Regulation: What Issuers Need to Do Before Late-2027 Enforcement'>PSD3 and the Payment Services Regulation: What Issuers Need to Do Before Late-2027 Enforcement<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\n\n\nPSD3 and the Payment Services Regulation (PSR) stopped being a proposal and became a confirmed timeline this year. The European Parliament, Council, and Commission agreed final compromise texts on 23 April 2026, following provisional political\u2026<div class=\"read-more-link\"><a href=\"https:\/\/www.gpayments.com\/blog\/article\/psd3-payment-services-regulation-issuer-readiness\/\" class=\"more-link\">Read more<span class='more-link-arrow avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='right-open-big' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" role=\"graphics-symbol\" aria-hidden=\"true\">\n<path d=\"M0.416 27.84l11.456-11.84-11.456-11.904q-0.832-0.832 0-1.536 0.832-0.832 1.536 0l12.544 12.608q0.768 0.832 0 1.6l-12.544 12.608q-0.704 0.832-1.536 0-0.832-0.704 0-1.536z\"><\/path>\n<\/svg><\/span><\/a><\/div><\/div><\/div><footer class=\"entry-footer\"><div class=\"slide-meta\"><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-07-17T15:21:37+10:00\" >17 July 2026<\/time><\/div><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/07\/PSD3-scaled.jpg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>1707<\/span>\n\t\t\t\t\t\t<span itemprop='width'>2560<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Zeeshan Rizvi<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/blog.gpayments.com\/wp-content\/uploads\/2022\/05\/Logo_Black_on_White_lowres-300x80.png<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Zeeshan Rizvi<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2022-05-16T17:01:03+10:00\" >2026-07-17 15:21:37<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-07-16 15:27:13<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>PSD3 and the Payment Services Regulation: What Issuers Need to Do Before Late-2027 Enforcement<\/span><\/span><\/span><\/article><\/div><div class=\"slide-entry-wrap\"><article class='slide-entry flex_column  post-entry post-entry-2851 slide-entry-overview slide-loop-4 slide-parity-odd  av_one_third first real-thumbnail posttype-post post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/rba-rule-tuning-frictionless-authentication\/' data-rel='slide-1' class='slide-image' title='RBA Rule Tuning: A Practical Guide to Improving Frictionless Authentication Rates'><img decoding=\"async\" loading=\"lazy\" width=\"495\" height=\"400\" src=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/07\/RBA-in-Online-Payments-495x400.jpg\" class=\"wp-image-2854 avia-img-lazy-loading-2854 attachment-portfolio size-portfolio wp-post-image\" alt=\"\" srcset=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/07\/RBA-in-Online-Payments-495x400.jpg 495w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/07\/RBA-in-Online-Payments-845x684.jpg 845w\" sizes=\"auto, (max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\" aria-label=\"Slide: RBA Rule Tuning: A Practical Guide to Improving Frictionless Authentication Rates\"><span class=\"blog-categories minor-meta\"><a href=\"https:\/\/www.gpayments.com\/blog\/category\/article\/\" rel=\"tag\">Articles<\/a> <\/span><h3 class='slide-entry-title entry-title '  itemprop=\"headline\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/rba-rule-tuning-frictionless-authentication\/' title='RBA Rule Tuning: A Practical Guide to Improving Frictionless Authentication Rates'>RBA Rule Tuning: A Practical Guide to Improving Frictionless Authentication Rates<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\nFrictionless 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\u2026<div class=\"read-more-link\"><a href=\"https:\/\/www.gpayments.com\/blog\/article\/rba-rule-tuning-frictionless-authentication\/\" class=\"more-link\">Read more<span class='more-link-arrow avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='right-open-big' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" role=\"graphics-symbol\" aria-hidden=\"true\">\n<path d=\"M0.416 27.84l11.456-11.84-11.456-11.904q-0.832-0.832 0-1.536 0.832-0.832 1.536 0l12.544 12.608q0.768 0.832 0 1.6l-12.544 12.608q-0.704 0.832-1.536 0-0.832-0.704 0-1.536z\"><\/path>\n<\/svg><\/span><\/a><\/div><\/div><\/div><footer class=\"entry-footer\"><div class=\"slide-meta\"><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-07-17T12:32:39+10:00\" >17 July 2026<\/time><\/div><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/07\/RBA-in-Online-Payments-scaled.jpg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>1440<\/span>\n\t\t\t\t\t\t<span itemprop='width'>2560<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Zeeshan Rizvi<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/blog.gpayments.com\/wp-content\/uploads\/2022\/05\/Logo_Black_on_White_lowres-300x80.png<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Zeeshan Rizvi<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2022-05-16T17:01:03+10:00\" >2026-07-17 12:32:39<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-07-16 14:21:12<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>RBA Rule Tuning: A Practical Guide to Improving Frictionless Authentication Rates<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-2830 slide-entry-overview slide-loop-5 slide-parity-even  av_one_third  real-thumbnail posttype-post post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/secure-payment-confirmation-spc-webauthn-3ds\/' data-rel='slide-1' class='slide-image' title='Secure Payment Confirmation (SPC) and WebAuthn: Is Your ACS Ready for Passwordless 3DS?'><img decoding=\"async\" loading=\"lazy\" width=\"495\" height=\"400\" src=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/07\/person-paying-with-its-smartphone-wallet-app-495x400.jpg\" class=\"wp-image-2836 avia-img-lazy-loading-2836 attachment-portfolio size-portfolio wp-post-image\" alt=\"\" srcset=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/07\/person-paying-with-its-smartphone-wallet-app-495x400.jpg 495w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/07\/person-paying-with-its-smartphone-wallet-app-845x684.jpg 845w\" sizes=\"auto, (max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\" aria-label=\"Slide: Secure Payment Confirmation (SPC) and WebAuthn: Is Your ACS Ready for Passwordless 3DS?\"><span class=\"blog-categories minor-meta\"><a href=\"https:\/\/www.gpayments.com\/blog\/category\/article\/\" rel=\"tag\">Articles<\/a> <\/span><h3 class='slide-entry-title entry-title '  itemprop=\"headline\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/secure-payment-confirmation-spc-webauthn-3ds\/' title='Secure Payment Confirmation (SPC) and WebAuthn: Is Your ACS Ready for Passwordless 3DS?'>Secure Payment Confirmation (SPC) and WebAuthn: Is Your ACS Ready for Passwordless 3DS?<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\nOne-time passwords sent by SMS remain the default challenge method for most 3D Secure deployments, despite being phishable, dependent on carrier delivery, and a well-documented source of cardholder drop-off. Secure Payment Confirmation (SPC)\u2026<div class=\"read-more-link\"><a href=\"https:\/\/www.gpayments.com\/blog\/article\/secure-payment-confirmation-spc-webauthn-3ds\/\" class=\"more-link\">Read more<span class='more-link-arrow avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='right-open-big' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" role=\"graphics-symbol\" aria-hidden=\"true\">\n<path d=\"M0.416 27.84l11.456-11.84-11.456-11.904q-0.832-0.832 0-1.536 0.832-0.832 1.536 0l12.544 12.608q0.768 0.832 0 1.6l-12.544 12.608q-0.704 0.832-1.536 0-0.832-0.704 0-1.536z\"><\/path>\n<\/svg><\/span><\/a><\/div><\/div><\/div><footer class=\"entry-footer\"><div class=\"slide-meta\"><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-07-16T12:07:15+10:00\" >16 July 2026<\/time><\/div><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/07\/person-paying-with-its-smartphone-wallet-app-scaled.jpg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>1703<\/span>\n\t\t\t\t\t\t<span itemprop='width'>2560<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Zeeshan Rizvi<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/blog.gpayments.com\/wp-content\/uploads\/2022\/05\/Logo_Black_on_White_lowres-300x80.png<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Zeeshan Rizvi<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2022-05-16T17:01:03+10:00\" >2026-07-16 12:07:15<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-07-16 12:34:05<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>Secure Payment Confirmation (SPC) and WebAuthn: Is Your ACS Ready for Passwordless 3DS?<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-2707 slide-entry-overview slide-loop-6 slide-parity-odd  av_one_third  real-thumbnail posttype-post post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/3d-secure-testing-before-certification-how-to-avoid-costly-failures\/' data-rel='slide-1' class='slide-image' title='3D Secure Testing Before Certification: How to Avoid Costly Failures'><img decoding=\"async\" loading=\"lazy\" width=\"495\" height=\"400\" src=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/05\/hero-3ds-testing-certification-495x400.png\" class=\"wp-image-2714 avia-img-lazy-loading-2714 attachment-portfolio size-portfolio wp-post-image\" alt=\"3DS Testing\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\" aria-label=\"Slide: 3D Secure Testing Before Certification: How to Avoid Costly Failures\"><span class=\"blog-categories minor-meta\"><a href=\"https:\/\/www.gpayments.com\/blog\/category\/article\/\" rel=\"tag\">Articles<\/a> <\/span><h3 class='slide-entry-title entry-title '  itemprop=\"headline\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/3d-secure-testing-before-certification-how-to-avoid-costly-failures\/' title='3D Secure Testing Before Certification: How to Avoid Costly Failures'>3D Secure Testing Before Certification: How to Avoid Costly Failures<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\nEvery 3D Secure Certification \u2014 whether it\u2019s a 3DS Server, an Access Control Server, or a mobile SDK \u2014 must pass card scheme certification testing before it can process live transactions. Visa requires testing on its VSTS environment.\u2026<div class=\"read-more-link\"><a href=\"https:\/\/www.gpayments.com\/blog\/article\/3d-secure-testing-before-certification-how-to-avoid-costly-failures\/\" class=\"more-link\">Read more<span class='more-link-arrow avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='right-open-big' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" role=\"graphics-symbol\" aria-hidden=\"true\">\n<path d=\"M0.416 27.84l11.456-11.84-11.456-11.904q-0.832-0.832 0-1.536 0.832-0.832 1.536 0l12.544 12.608q0.768 0.832 0 1.6l-12.544 12.608q-0.704 0.832-1.536 0-0.832-0.704 0-1.536z\"><\/path>\n<\/svg><\/span><\/a><\/div><\/div><\/div><footer class=\"entry-footer\"><div class=\"slide-meta\"><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-05-29T13:42:46+10:00\" >29 May 2026<\/time><\/div><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/05\/hero-3ds-testing-certification.png<\/span>\n\t\t\t\t\t\t<span itemprop='height'>675<\/span>\n\t\t\t\t\t\t<span itemprop='width'>1200<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Gelareh<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/blog.gpayments.com\/wp-content\/uploads\/2022\/05\/Logo_Black_on_White_lowres-300x80.png<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Gelareh<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2022-05-16T17:01:03+10:00\" >2026-05-29 13:42:46<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-05-19 13:43:45<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>3D Secure Testing Before Certification: How to Avoid Costly Failures<\/span><\/span><\/span><\/article><\/div><div class=\"slide-entry-wrap\"><article class='slide-entry flex_column  post-entry post-entry-2690 slide-entry-overview slide-loop-7 slide-parity-odd  av_one_third first real-thumbnail posttype-post post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/how-to-choose-an-acs-for-3d-secure-an-enterprise-evaluation-guide\/' data-rel='slide-1' class='slide-image' title='How to Choose an ACS for 3D Secure: An Enterprise Evaluation Guide'><img decoding=\"async\" loading=\"lazy\" width=\"495\" height=\"400\" src=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/05\/hero-choosing-acs-enterprise-guide-495x400.png\" class=\"wp-image-2705 avia-img-lazy-loading-2705 attachment-portfolio size-portfolio wp-post-image\" alt=\"Choosing ACS\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\" aria-label=\"Slide: How to Choose an ACS for 3D Secure: An Enterprise Evaluation Guide\"><span class=\"blog-categories minor-meta\"><a href=\"https:\/\/www.gpayments.com\/blog\/category\/article\/\" rel=\"tag\">Articles<\/a> <\/span><h3 class='slide-entry-title entry-title '  itemprop=\"headline\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/how-to-choose-an-acs-for-3d-secure-an-enterprise-evaluation-guide\/' title='How to Choose an ACS for 3D Secure: An Enterprise Evaluation Guide'>How to Choose an ACS for 3D Secure: An Enterprise Evaluation Guide<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\nThe Access Control Server (ACS) is the issuer\u2019s central decision-making engine in the 3D Secure protocol. It determines whether a transaction authenticates frictionlessly or requires a cardholder challenge, which authentication method to\u2026<div class=\"read-more-link\"><a href=\"https:\/\/www.gpayments.com\/blog\/article\/how-to-choose-an-acs-for-3d-secure-an-enterprise-evaluation-guide\/\" class=\"more-link\">Read more<span class='more-link-arrow avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='right-open-big' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" role=\"graphics-symbol\" aria-hidden=\"true\">\n<path d=\"M0.416 27.84l11.456-11.84-11.456-11.904q-0.832-0.832 0-1.536 0.832-0.832 1.536 0l12.544 12.608q0.768 0.832 0 1.6l-12.544 12.608q-0.704 0.832-1.536 0-0.832-0.704 0-1.536z\"><\/path>\n<\/svg><\/span><\/a><\/div><\/div><\/div><footer class=\"entry-footer\"><div class=\"slide-meta\"><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-05-18T17:02:09+10:00\" >18 May 2026<\/time><\/div><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/05\/hero-choosing-acs-enterprise-guide.png<\/span>\n\t\t\t\t\t\t<span itemprop='height'>675<\/span>\n\t\t\t\t\t\t<span itemprop='width'>1200<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Gelareh<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/blog.gpayments.com\/wp-content\/uploads\/2022\/05\/Logo_Black_on_White_lowres-300x80.png<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Gelareh<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2022-05-16T17:01:03+10:00\" >2026-05-18 17:02:09<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-05-25 14:59:39<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>How to Choose an ACS for 3D Secure: An Enterprise Evaluation Guide<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-2662 slide-entry-overview slide-loop-8 slide-parity-even  av_one_third  real-thumbnail posttype-post post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/how-3ds2-reduces-card-not-present-fraud-without-hurting-conversion\/' data-rel='slide-1' class='slide-image' title='How 3DS2 Reduces Card-Not-Present Fraud Without Hurting Conversion'><img decoding=\"async\" loading=\"lazy\" width=\"495\" height=\"400\" src=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/05\/Gemini_Generated_Image_vc8su6vc8su6vc8s-495x400.png\" class=\"wp-image-2666 avia-img-lazy-loading-2666 attachment-portfolio size-portfolio wp-post-image\" alt=\"\" srcset=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/05\/Gemini_Generated_Image_vc8su6vc8su6vc8s-495x400.png 495w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/05\/Gemini_Generated_Image_vc8su6vc8su6vc8s-845x684.png 845w\" sizes=\"auto, (max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\" aria-label=\"Slide: How 3DS2 Reduces Card-Not-Present Fraud Without Hurting Conversion\"><span class=\"blog-categories minor-meta\"><a href=\"https:\/\/www.gpayments.com\/blog\/category\/article\/\" rel=\"tag\">Articles<\/a> <\/span><h3 class='slide-entry-title entry-title '  itemprop=\"headline\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/how-3ds2-reduces-card-not-present-fraud-without-hurting-conversion\/' title='How 3DS2 Reduces Card-Not-Present Fraud Without Hurting Conversion'>How 3DS2 Reduces Card-Not-Present Fraud Without Hurting Conversion<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\nCard-not-present (CNP) fraud cost Australian businesses $816 million in 2024, accounting for 90% of all card fraud on Australian-issued cards, according to the Australian Payments Network (AusPayNet). Globally, payment card fraud losses reached\u2026<div class=\"read-more-link\"><a href=\"https:\/\/www.gpayments.com\/blog\/article\/how-3ds2-reduces-card-not-present-fraud-without-hurting-conversion\/\" class=\"more-link\">Read more<span class='more-link-arrow avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='right-open-big' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" role=\"graphics-symbol\" aria-hidden=\"true\">\n<path d=\"M0.416 27.84l11.456-11.84-11.456-11.904q-0.832-0.832 0-1.536 0.832-0.832 1.536 0l12.544 12.608q0.768 0.832 0 1.6l-12.544 12.608q-0.704 0.832-1.536 0-0.832-0.704 0-1.536z\"><\/path>\n<\/svg><\/span><\/a><\/div><\/div><\/div><footer class=\"entry-footer\"><div class=\"slide-meta\"><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-05-14T10:33:12+10:00\" >14 May 2026<\/time><\/div><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/05\/Gemini_Generated_Image_vc8su6vc8su6vc8s.png<\/span>\n\t\t\t\t\t\t<span itemprop='height'>2048<\/span>\n\t\t\t\t\t\t<span itemprop='width'>2048<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Gelareh<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/blog.gpayments.com\/wp-content\/uploads\/2022\/05\/Logo_Black_on_White_lowres-300x80.png<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Gelareh<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2022-05-16T17:01:03+10:00\" >2026-05-14 10:33:12<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-05-14 10:33:14<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>How 3DS2 Reduces Card-Not-Present Fraud Without Hurting Conversion<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-2679 slide-entry-overview slide-loop-9 slide-parity-odd  post-entry-last  av_one_third  real-thumbnail posttype-post post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/decoupled-authentication-in-emv-3ds-use-cases-and-implementation-guide\/' data-rel='slide-1' class='slide-image' title='Decoupled Authentication in EMV 3DS: Use Cases and Implementation Guide'><img decoding=\"async\" loading=\"lazy\" width=\"495\" height=\"400\" src=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/05\/Gemini_Generated_Image_23ciik23ciik23ci-495x400.png\" class=\"wp-image-2685 avia-img-lazy-loading-2685 attachment-portfolio size-portfolio wp-post-image\" alt=\"Decoupled authentication flow in EMV 3DS\" srcset=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/05\/Gemini_Generated_Image_23ciik23ciik23ci-495x400.png 495w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/05\/Gemini_Generated_Image_23ciik23ciik23ci-845x684.png 845w\" sizes=\"auto, (max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\" aria-label=\"Slide: Decoupled Authentication in EMV 3DS: Use Cases and Implementation Guide\"><span class=\"blog-categories minor-meta\"><a href=\"https:\/\/www.gpayments.com\/blog\/category\/article\/\" rel=\"tag\">Articles<\/a> <\/span><h3 class='slide-entry-title entry-title '  itemprop=\"headline\" ><a href='https:\/\/www.gpayments.com\/blog\/article\/decoupled-authentication-in-emv-3ds-use-cases-and-implementation-guide\/' title='Decoupled Authentication in EMV 3DS: Use Cases and Implementation Guide'>Decoupled Authentication in EMV 3DS: Use Cases and Implementation Guide<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\nNot every payment transaction takes place in a browser with a cardholder actively waiting for an authentication prompt. IoT devices, smart kiosks, digital wallets initiating recurring charges, and voice-activated payment interfaces all create\u2026<div class=\"read-more-link\"><a href=\"https:\/\/www.gpayments.com\/blog\/article\/decoupled-authentication-in-emv-3ds-use-cases-and-implementation-guide\/\" class=\"more-link\">Read more<span class='more-link-arrow avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='right-open-big' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" role=\"graphics-symbol\" aria-hidden=\"true\">\n<path d=\"M0.416 27.84l11.456-11.84-11.456-11.904q-0.832-0.832 0-1.536 0.832-0.832 1.536 0l12.544 12.608q0.768 0.832 0 1.6l-12.544 12.608q-0.704 0.832-1.536 0-0.832-0.704 0-1.536z\"><\/path>\n<\/svg><\/span><\/a><\/div><\/div><\/div><footer class=\"entry-footer\"><div class=\"slide-meta\"><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-05-07T09:08:00+10:00\" >7 May 2026<\/time><\/div><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/05\/Gemini_Generated_Image_23ciik23ciik23ci-scaled.png<\/span>\n\t\t\t\t\t\t<span itemprop='height'>1396<\/span>\n\t\t\t\t\t\t<span itemprop='width'>2560<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Gelareh<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/blog.gpayments.com\/wp-content\/uploads\/2022\/05\/Logo_Black_on_White_lowres-300x80.png<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Gelareh<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2022-05-16T17:01:03+10:00\" >2026-05-07 09:08:00<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-05-14 14:48:35<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>Decoupled Authentication in EMV 3DS: Use Cases and Implementation Guide<\/span><\/span><\/span><\/article><\/div><\/div><div class='pagination-wrap pagination-slider'><nav class='pagination'><span class='pagination-meta'>Page 1 of 25<\/span><span class='current'>1<\/span><a href='https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/pages\/1103\/?avia-element-paging=2' class='inactive next_page' >2<\/a><a href='https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/pages\/1103\/?avia-element-paging=3' class='inactive' >3<\/a><a href='https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/pages\/1103\/?avia-element-paging=2'>&rsaquo;<\/a><a href='https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/pages\/1103\/?avia-element-paging=25'>&raquo;<\/a><\/nav>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":9,"featured_media":1734,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"class_list":["post-1103","page","type-page","status-publish","has-post-thumbnail","hentry"],"aioseo_notices":[],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/pages\/1103","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/comments?post=1103"}],"version-history":[{"count":28,"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/pages\/1103\/revisions"}],"predecessor-version":[{"id":1673,"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/pages\/1103\/revisions\/1673"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/media\/1734"}],"wp:attachment":[{"href":"https:\/\/www.gpayments.com\/blog\/wp-json\/wp\/v2\/media?parent=1103"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}