Payment Regulations

Payment Services Directive 2 (PSD2)

What is PSD2?

PSD2, also known as the Payment Services Directive 2 is a set of laws and regulations established by the European Banking Authority (EBA) that aims to improve consumer rights while also promoting competition within the financial industry.

The directive not only enhances the safety of payments across the European Union, but also enables the development and use of innovative new …

Strong Customer Authentication (SCA)

What is SCA?

As of September 2020, European regulation rules require Strong Customer Authentication (SCA) for most European online payments. This translates to businesses and Payment Service Providers being required to verify customer purchases for transactions through a process called Two Factor Authentication (2FA). These elements could either be one of the following:

  1. Something the customer …
What is 3D Secure? (3DS)

3D Secure (3DS) is an authentication protocol for online transactions. 3D Secure is also known by its branded names like Mastercard Identity Check, Visa Secure or American Express SafeKey. Currently two versions of the 3D Secure protocol coexist (3DS 1.0 and 3DS 2.0).

Please note: Starting January 1st 2021, all Europe-based transactions through our platform will use the 3D Secure protocol in …

Please read: We constantly update the contents of this document. You should expect new information to surface anytime, as specifics about the implementation of the new PSD2 directive are still being worked on.


Your right to apply surcharges may vary accordingly by the payment method and the customer’s country. Please note that, even though the PSD2 regulation …


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