3D Secure and Payment Service Directive 2 (PSD2)

Our data-driven Monetize solution allows a frictionless authentication to your checkout, ensuring security for your customers and helping protect your business against fraudulent transactions.

3D Secure 2.0 (3DS 2.0) is the new industry standard for customer authentication and is a recognized solution for meeting PSD2’s Strong Customer Authentication (SCA) requirements.

A low-friction checkout experience for cardholders
The second Payment Services Directive (PSD2) aims at further protecting consumers from fraud. This new regulation requires strong customer authentication (SCA) for all transactions from 30€.
As a merchant taking responsibility for selling your digital goods online, we guarantee full compliance with the new PSD2 regulation.

Working with us gives your business an edge in this new regulatory environment:

What about recurring transactions and subscriptions?

Cumulative Rule
Transactions below €30 will need SCA under the cumulative rule of  €100: when the total value of the cumulated last 5 transactions reach  €100 or more, the transaction will require strong authentication.

It will impact any business doing recurring transactions with their clients, requiring implementation of SCA for each transaction exceeding the threshold of €100 over the last 5 purchases.

Subscriptions
Automated renewals are considered as merchant-initiated payments and as such are exempt from the SCA requirement.

Only the first transaction will require the SCA.

Questions?
We are always happy to help you and answer your questions about coding and other topics, please consult all our documentation, contact your account manager or contact our sales team.