Get Creative: Optimise SCA with 3DS 2.0 Exemptions
To make things easier for both businesses and cardholders, PSD2 exempts some types of payment from the requirements of Strong […]
SCA Delays in Europe
Many merchants across Europe have already fully implemented 3D Secure 2 and SCA as they understand that these new measures […]
PSD2, SCA & 3D Secure 2 – A Clear Guide for Merchants
PSD2: This is an abbreviation of the ‘Second Payment Services Directive’. PSD2’s overarching goal is to encourage an open banking […]
Why Card Schemes are Transitioning from 3D Secure 1.0 to 2.0
A Proactive Approach Although 3DS 1.0 and 3DS 2.0 have coexisted for several years with both protocols (still) valid, Visa […]
Corona update: Mastercard & Visa Increase Contactless Payment Limits in Europe
In card present payments, card schemes require cardholder verification methods (CVMs) to authenticate that the customer holding the card is […]
SCA: The Story so Far
Remember the panic around the Y2K Bug? It all seems quaint now, but there were huge concerns that computerized systems […]
Open Banking: To regulate or not to regulate? That is the question.
Following extensive growth in recent years of online banking services and online payments, consumers face a new variety of challenges, […]
Chargeback disputes: the latest attempt by fraudsters to beat the system – and how to make sure they don’t!
We think of chargebacks as being a modern inconvenience and a feature of commercial dealings. Yet, documents dating as far […]
The EU’s Fourth Money Laundering Directive
The sequel to the Third Money Laundering Directive (3MLD), in force since 2005, will finally be released, over a decade […]
Is Electronic Signature Safe and Legally Binding?
In a world where technology is developing faster than legislators can handle, are we getting carried away with accepting new […]
What You Need to Know About the New EU-U.S. Privacy Shield
On February 2, 2016, the much-anticipated agreement between the EU Commission and the U.S. outlining the framework for the transfer […]
European Parliament Votes to End Geo-Blocking
As part of its Digital Single Market Strategy, the European Parliament voted on January 19th to combat the practice of […]
Are You Ready for Strong Customer Authentication?
Now that the revised Payment Services Directive (PSD2) has been finalized, issues of transposition will come to the fore. This is because […]
Insights From MasterCard’s MCDS Conference
The MasterCard MCDS conference took place November 4-6. The conference covered quite a few payments topics and trends. It was […]
Credorax Celebrates Pan-European Banking License Launch
Previously a licensed financial institution, Credorax has now officially evolved into a commercial bank in Europe. Having recently received our […]
The Digital Single Market Strategy: Innovation Meets Regulation
In the payment services and e-commerce arena, EU regulators are striving to keep up with the rapid pace at which […]
PSD II: One Step Closer
On October 8, 2015, the proposed PSD II was formally approved by the European Parliament (EP) by 578 votes to […]
ISO 20022: We’re Just Getting Started
Recently, a working group composed of payments processing experts completed work on a first draft of the ISO 20022 standards. […]