Payments Blog

A PSD2 SCA Primer

Hello digital payments community! Since there are so many big, exciting things going on right now in our industry, it seemed like a good time to share some of the big things that we’re doing right now.


If you don’t already know, the deadline for complying with the PSD2 SCA mandate in Europe is coming up soon – this September. And if you’re not familiar with PSD2 SCA, we have a few different resources that can serve as your guide to this mandate. Our resources can get you up to speed, and help you figure out if you will be impacted by PSD2 SCA.

This deadline is universal, but it means different things to different organizations. Our larger merchants and smaller-to-mid-size merchants are dealing with it differently and approaching exemptions differently. The exemptions within PSD2 SCA refer to certain types of transactions that are exempt from this mandate (we’ll talk more in-depth about these later).

There are so many moving parts with this mandate and the upcoming deadline that we can’t possibly cover them all here. But stick around because we will be digging into some of these things in the coming weeks, including exemptions, the issuer’s viewpoint, our role in this process and much more! This is just the first in a series of blogs covering some of the specific exemptions in this mandate and some of the relevant topics surrounding them.

If you want to begin actively preparing now, reach out and we’ll help you get ready for PSD2 SCA.

Even with this upcoming deadline, we haven’t forgotten about EMV® 3-D Secure (or 3-D Secure 2.0). In fact, this mandate and EMV 3DS are intertwined in many ways. In the coming weeks, we will also talk about our EMV 3DS authentication solutions, including the methods that our issuers and merchants can take to integrate them into their business.

Both EMV 3DS and PSD2 SCA are changing the landscape of digital commerce for the better. I’m excited to share some of my thoughts along this transformational journey with all of you! I hope you’re ready to learn a thing or two.

EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.

Posted by Tim Sherwin

Tim Sherwin is the co-founder and Chief Executive Officer at CardinalCommerce. Under Tim’s leadership, Cardinal has become the leader in enabling authenticated payment transactions in digital commerce markets. Most recently, Tim led Cardinal’s business development and product strategy efforts. He oversees Cardinal’s largest Customers and key partners including Visa, Mastercard, PayPal and American Express. Working in the payments industry, Tim has had a lead role in redefining the Consumer Authentication landscape, developing innovative payment services that help merchants increase sales, reduce fraud, and eliminate chargeback exposure without disrupting the consumer checkout experience. Tim has more than 20 issued and pending patents related to secure payment processing, mobile payments and tokenization. Prior to founding Cardinal, Tim was Senior Vice President of Business Development at QIS, an IT and internet services firm. Earlier, he was with STERIS Corporation as Controller of the North American Division, and spent time with Oracle Corporation working with Invacare Corporation, where he developed a sound and streamlined system for processing all financial transactions. Tim is a graduate of Wittenberg University with a BA in Business, and earned his MBA in finance from Case Western Reserve University’s Weatherhead School of Management. Tim serves as a member of the Merchant Risk Council (MRC) Americas Advisory Board, is a member of EMVCo, and is a frequent speaker at industry events. He is also on the board of the Cleveland Museum of Natural History.

Topics: 3-D Secure 2.0, PSD2, SCA, EMV 3-D Secure

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