{"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-2690 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\/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\" >2026-05-19 10:36:52<\/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-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\/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-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\/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 class=\"slide-entry-wrap\"><article class='slide-entry flex_column  post-entry post-entry-2667 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\/3-d-secure-for-australian-merchants-what-you-need-to-know-in-2026\/' data-rel='slide-1' class='slide-image' title='3-D Secure for Australian Merchants: What You Need to Know in 2026'><img decoding=\"async\" loading=\"lazy\" width=\"495\" height=\"400\" src=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/04\/Gemini_Generated_Image_43zcio43zcio43zc-495x400.png\" class=\"wp-image-2678 avia-img-lazy-loading-2678 attachment-portfolio size-portfolio wp-post-image\" alt=\"3-D Secure authentication for Australian merchants\" srcset=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/04\/Gemini_Generated_Image_43zcio43zcio43zc-495x400.png 495w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/04\/Gemini_Generated_Image_43zcio43zcio43zc-845x684.png 845w\" sizes=\"auto, (max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\" aria-label=\"Slide: 3-D Secure for Australian Merchants: What You Need to Know in 2026\"><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\/3-d-secure-for-australian-merchants-what-you-need-to-know-in-2026\/' title='3-D Secure for Australian Merchants: What You Need to Know in 2026'>3-D Secure for Australian Merchants: What You Need to Know in 2026<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\nCard-not-present (CNP) fraud on Australian-issued cards reached $913 million in 2024, a 20% increase year-on-year, according to the Australian Payments Network\u2019s (AusPayNet) 2025 Australian Payment Fraud Report. CNP fraud now accounts for\u2026<div class=\"read-more-link\"><a href=\"https:\/\/www.gpayments.com\/blog\/article\/3-d-secure-for-australian-merchants-what-you-need-to-know-in-2026\/\" 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=\"2026-04-30T11:07:52+10:00\" >30 April 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\/04\/Gemini_Generated_Image_43zcio43zcio43zc.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\" >2026-04-30 11:07:52<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-05-14 11:49:25<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>3-D Secure for Australian Merchants: What You Need to Know in 2026<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-2651 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\/3d-secure-and-psd2-strong-customer-authentication-a-guide-for-european-and-uk-psps\/' data-rel='slide-1' class='slide-image' title='3D Secure and PSD2 Strong Customer Authentication: A Guide for European and UK PSPs'><img decoding=\"async\" loading=\"lazy\" width=\"495\" height=\"400\" src=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/03\/padlock-eu-flag-inside-smart-phone-eu-map-495x400.jpg\" class=\"wp-image-2654 avia-img-lazy-loading-2654 attachment-portfolio size-portfolio wp-post-image\" alt=\"PSD2 Europe\" srcset=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/03\/padlock-eu-flag-inside-smart-phone-eu-map-495x400.jpg 495w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/03\/padlock-eu-flag-inside-smart-phone-eu-map-845x684.jpg 845w\" sizes=\"auto, (max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\" aria-label=\"Slide: 3D Secure and PSD2 Strong Customer Authentication: A Guide for European and UK 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\/3d-secure-and-psd2-strong-customer-authentication-a-guide-for-european-and-uk-psps\/' title='3D Secure and PSD2 Strong Customer Authentication: A Guide for European and UK PSPs'>3D Secure and PSD2 Strong Customer Authentication: A Guide for European and UK PSPs<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" ><p>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\u2011not\u2011present transactions, via challenges or eligible frictionless exemptions.<\/p><div class=\"read-more-link\"><a href=\"https:\/\/www.gpayments.com\/blog\/article\/3d-secure-and-psd2-strong-customer-authentication-a-guide-for-european-and-uk-psps\/\" 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=\"2026-03-24T20:57:00+10:00\" >24 March 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\/03\/padlock-eu-flag-inside-smart-phone-eu-map-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'>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\" >2026-03-24 20:57:00<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-03-24 11:33:20<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>3D Secure and PSD2 Strong Customer Authentication: A Guide for European and UK PSPs<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-2591 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\/what-is-3d-secure-a-complete-2026-guide-for-enterprise-payment-teams\/' data-rel='slide-1' class='slide-image' title='What Is 3D Secure? A Complete 2026 Guide for Enterprise Payment Teams'><img decoding=\"async\" loading=\"lazy\" width=\"495\" height=\"400\" src=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/03\/gpayments-banner-v2-1200x675-1-495x400.png\" class=\"wp-image-2619 avia-img-lazy-loading-2619 attachment-portfolio size-portfolio wp-post-image\" alt=\"EMV 3D SEcire 2 Guide 2026\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\" aria-label=\"Slide: What Is 3D Secure? A Complete 2026 Guide for Enterprise Payment Teams\"><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\/what-is-3d-secure-a-complete-2026-guide-for-enterprise-payment-teams\/' title='What Is 3D Secure? A Complete 2026 Guide for Enterprise Payment Teams'>What Is 3D Secure? A Complete 2026 Guide for Enterprise Payment Teams<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" ><p>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.\u00a0<\/p><div class=\"read-more-link\"><a href=\"https:\/\/www.gpayments.com\/blog\/article\/what-is-3d-secure-a-complete-2026-guide-for-enterprise-payment-teams\/\" 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=\"2026-03-17T11:45:28+10:00\" >17 March 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\/03\/gpayments-banner-v2-1200x675-1.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'>Robin<\/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'>Robin<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2022-05-16T17:01:03+10:00\" >2026-03-17 11:45:28<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-03-23 13:02:38<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>What Is 3D Secure? A Complete 2026 Guide for Enterprise Payment Teams<\/span><\/span><\/span><\/article><\/div><div class=\"slide-entry-wrap\"><article class='slide-entry flex_column  post-entry post-entry-2623 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\/emv-3ds-2-x-vs-3ds-1-0-what-changed-and-why-it-matters\/' data-rel='slide-1' class='slide-image' title='EMV 3DS 2.x vs 3DS 1.0: What Changed and Why It Matters'><img decoding=\"async\" loading=\"lazy\" width=\"495\" height=\"400\" src=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2025\/08\/new-card-scheme-495x400.png\" class=\"wp-image-2456 avia-img-lazy-loading-2456 attachment-portfolio size-portfolio wp-post-image\" alt=\"\" srcset=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2025\/08\/new-card-scheme-495x400.png 495w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2025\/08\/new-card-scheme-845x684.png 845w\" sizes=\"auto, (max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\" aria-label=\"Slide: EMV 3DS 2.x vs 3DS 1.0: What Changed and Why It Matters\"><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-3ds-2-x-vs-3ds-1-0-what-changed-and-why-it-matters\/' title='EMV 3DS 2.x vs 3DS 1.0: What Changed and Why It Matters'>EMV 3DS 2.x vs 3DS 1.0: What Changed and Why It Matters<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" ><p>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.<\/p><div class=\"read-more-link\"><a href=\"https:\/\/www.gpayments.com\/blog\/article\/emv-3ds-2-x-vs-3ds-1-0-what-changed-and-why-it-matters\/\" 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=\"2026-02-16T13:26:57+10:00\" >16 February 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\/2025\/08\/new-card-scheme.png<\/span>\n\t\t\t\t\t\t<span itemprop='height'>825<\/span>\n\t\t\t\t\t\t<span itemprop='width'>1436<\/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'>Robin<\/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'>Robin<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2022-05-16T17:01:03+10:00\" >2026-02-16 13:26:57<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-03-23 13:04:37<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>EMV 3DS 2.x vs 3DS 1.0: What Changed and Why It Matters<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-2573 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\/emv-3ds-default-sdk-transition\/' data-rel='slide-1' class='slide-image' title='The Evolution from Mobile SDK to Default SDK in EMV 3DS\u00a0'><img decoding=\"async\" loading=\"lazy\" width=\"495\" height=\"400\" src=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/01\/man-hand-touch-virtual-screen-padlock-icon-data-protection-information-privacy-cybersecurity-495x400.jpg\" class=\"wp-image-2577 avia-img-lazy-loading-2577 attachment-portfolio size-portfolio wp-post-image\" alt=\"\" srcset=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/01\/man-hand-touch-virtual-screen-padlock-icon-data-protection-information-privacy-cybersecurity-495x400.jpg 495w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2026\/01\/man-hand-touch-virtual-screen-padlock-icon-data-protection-information-privacy-cybersecurity-845x684.jpg 845w\" sizes=\"auto, (max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\" aria-label=\"Slide: The Evolution from Mobile SDK to Default SDK in EMV 3DS\u00a0\"><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-3ds-default-sdk-transition\/' title='The Evolution from Mobile SDK to Default SDK in EMV 3DS\u00a0'>The Evolution from Mobile SDK to Default SDK in EMV 3DS\u00a0<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\nMobile 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.\u2026<div class=\"read-more-link\"><a href=\"https:\/\/www.gpayments.com\/blog\/article\/emv-3ds-default-sdk-transition\/\" 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=\"2026-01-15T15:25:42+10:00\" >15 January 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\/01\/man-hand-touch-virtual-screen-padlock-icon-data-protection-information-privacy-cybersecurity-scaled.jpg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>1097<\/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'>Robin<\/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'>Robin<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2022-05-16T17:01:03+10:00\" >2026-01-15 15:25:42<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-01-15 15:25:43<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>The Evolution from Mobile SDK to Default SDK in EMV 3DS\u00a0<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-2550 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\/payment-tokenisation-simplifying-security-in-the-digital-payments-ecosystem\/' data-rel='slide-1' class='slide-image' title='Payment Tokenisation: Simplifying Security in the Digital Payments Ecosystem'><img decoding=\"async\" loading=\"lazy\" width=\"495\" height=\"400\" src=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2025\/11\/finance-transaction-safety-protect-access-identification-credit-debit-card-financial-money-banking-495x400.jpg\" class=\"wp-image-2552 avia-img-lazy-loading-2552 attachment-portfolio size-portfolio wp-post-image\" alt=\"\" srcset=\"https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2025\/11\/finance-transaction-safety-protect-access-identification-credit-debit-card-financial-money-banking-495x400.jpg 495w, https:\/\/www.gpayments.com\/blog\/wp-content\/uploads\/2025\/11\/finance-transaction-safety-protect-access-identification-credit-debit-card-financial-money-banking-845x684.jpg 845w\" sizes=\"auto, (max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\" aria-label=\"Slide: Payment Tokenisation: Simplifying Security in the Digital Payments Ecosystem\"><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\/payment-tokenisation-simplifying-security-in-the-digital-payments-ecosystem\/' title='Payment Tokenisation: Simplifying Security in the Digital Payments Ecosystem'>Payment Tokenisation: Simplifying Security in the Digital Payments Ecosystem<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\n\n\nWhat is Payment Tokenisation?\nPayment 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\u2026<div class=\"read-more-link\"><a href=\"https:\/\/www.gpayments.com\/blog\/article\/payment-tokenisation-simplifying-security-in-the-digital-payments-ecosystem\/\" 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=\"2025-11-13T09:14:57+10:00\" >13 November 2025<\/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\/2025\/11\/finance-transaction-safety-protect-access-identification-credit-debit-card-financial-money-banking-scaled.jpg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>1472<\/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\" >2025-11-13 09:14:57<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2025-11-13 09:47:51<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>Payment Tokenisation: Simplifying Security in the Digital Payments Ecosystem<\/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,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"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}]}}