Payment regulations

About 3D Secure

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. Two versions of the 3D Secure protocol coexist (3DS 1.0 and 3DS 2.0).

Please note: All Europe-based transactions through our platform use the 3D Secure protocol in order to comply with PSD2 regulations.

How …

About Payment Services Directive 2

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 …

About strong customer authentication

What is SCA?

Since 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). Three methods of authentication are recognized in SCA. Every SCA compliant …

About surcharges
Check this page regularly for updates on the implementation of the PSD2 directive.


Your right to apply surcharges varies by payment method and the customer’s country.

The PSD2 applies to the whole European Economic Area, but individual states can decide how to implement certain aspects. Always check what rules apply in the country your business is registered in. …


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