Payments Blog

New 3-D Secure Mandates

Nordea Bank, one of the largest financial institutions in Northern Europe, is now mandating that every merchant that has an acquiring account with Nordea must participate in 3-D Secure. 

With increasing mandates for 3-D Secure, from card brands to governments, there will be pressure for all parties in a card-not-present (CNP) transaction to participate.

As of August 1, 2015, another bank will be joining these programs, which are international standards.  Nordea Bank AB, one of the largest financial institutions in Northern Europe, represents the major issuers and acquirers in the region. They are now mandating that every merchant that has an acquired account with Nordea must participate in 3DS. Transactions that do not involve one of the 3DS protocols will not be authorized.

Based on recent security recommendations coming from the European Banking Authority, the Finansinspektionen (the Swedish financial supervisory authority) is now requiring merchants to participate in 3DS as a form of strong authentication.

So what does that mean to you?

  • The authorization of card purchases made as of August 1, 2015 without using 3-D Secure will be  declined, although it may take a couple months for the mandate to set in.
  •  Nordea merchants are required to comply with these mandates.
  •  Merchants could lose their acquiring bank account.

Cardinal Consumer Authentication, which leverages the 3-D Secure protocols, enhances the consumer experience, increases sales, and improves margins. 

With the Cardinal Authentication Network, Cardinal puts Authentication First.

Contact us to learn more about Cardinal Consumer Authentication and how we can protect your transaction with new mandates being enforced.


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To learn more about Cardinal contact us at or at our website 

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: 3-D secure mandates

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