3-D Secure 2

On 14 September, 2019, the Strong Customer Authentication (SCA) requirements entered into effect; the requirements are mandated by PSD2: Revised Directive on Payment Services, Directive (EU) 2015/2366. In accordance with SCA, all e-commerce payments in European Economic Area must be processed by using the new version of the 3‑D Secure protocol—3‑D Secure 2, or EMV® 3‑D Secure.

Visa and Mastercard recommend that issuers in other countries support 3‑D Secure 2. It is expected that 3‑D Secure 2 will become supported in most regions by the end of 2020. 3‑D Secure 1 will be fully phased out by Mastercard on October 14, 2022. The exact date when Visa will end support for 3‑D Secure 1 is currently unknown.

This section provides basic information about the 3‑D Secure 2 protocol and describes how the ecommpay payment platform supports 3‑D Secure 2; it also covers the following topics: 3‑D Secure 2 related updates to the ecommpay payment platform, workflow updates, and updated and extended request and callback structures.

For a quick overview of 3‑D Secure 2 support by the ecommpay platform, use our brief presentation.

General information about the 3‑D Secure 1 authentication and about the support for this authentication in the payment platform is provided in the section Customer authentication by using the 3‑D Secure 1.