The Payment Services Directive (PSD2), has introduced a new regulatory requirement: Strong Customer Authentication (SCA).
The aim of the SCA is to add an increased layer of security for card not present transactions, when making mobile and online payments.
To authenticate the transaction, merchants can verify the consumer's identity with the issuer.
To be compliant with SCA, 3D Secure 2 transactions have additional authentication and transaction information within the payment flow.
For more information, see What is Strong Customer Authentication.
The deadline for PSD2 and SCA implementation for all the European Union countries members and UK merchants has now passed.
3D Secure 1 is no longer supported.