Payments Blog

About-Fraud: The Growing Importance of 3-D Secure and PSD2

While it may seem far away now, September 2019 will be here in no time. That’s when the Strong Customer Authentication (SCA) portion of the European Union’s revised Payment Services Directive (PSD2) will go into effect.

This deadline will have lasting effects on many different things within the digital payments industry. This mandate was created to ensure that electronic payment services are carried out in a secure manner. It requires merchants who do business in the European Economic Area (EEA) to comply to continue selling products and services to their consumers. Within SCA and PSD2, there are several intricacies that will have an impact on the digital payments industry.

JaimeFortunately, Jaime Howard, Vice President of Global Product at Cardinal, detailed these effects, how they fit into the larger digital payments ecosystem and more, in an insightful and educational article on

This article also touches on EMV® 3-D Secure (also referred to as 3-D Secure 2.0) as a viable solution to the SCA requirement, the rise of data and how Cardinal fits in the industry. If you’re confused about PSD2 or SCA, this article is a must read!

With the Cardinal Authentication Network, Cardinal puts Authentication First.

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 CardinalCommerce

Welcome to the CardinalCommerce blog. Cardinal is a global leader in authenticating digital transactions, with One Connection to drive digital commerce. Our goal for this blog is to provide a platform that will inform and educate our Customers and partners on consumer authentication, payments, mobile commerce, solution design and big data.

Topics: PSD2, SCA, EMV 3-D Secure, Cardinal Authentication Network, About-Fraud

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