Payment News und Trends

20 Jahre Payment-Expertise in 45 Minuten

PSD2 SCA being effective – First results, observations and recommendations

The strong customer authentication (SCA) requirement of the revised Directive on payment services (PSD2) has come into force in most countries now, e.g. in Germany all transactions independent of the amount should be processed by the PSD2 rules by 15th March at the latest.

This implies that all merchants need to send their transactions using the EMV® 3DS protocol. And, in order to achieve a good conversion rate they should use exemptions allowed by the law. Issuers, on the other hand, have prepared themselves to process such exemptions and offer merchant whitelisting to ensure the flow is as frictionless as possible.

Attend this webinar to learn:

  • How the volume of 3-D Secure transactions is changing based on EMV versions;
  • How the % of frictionless transactions is changing (if the authentication is getting easier for cardholders);
  • How the % of successful transactions is changing (if the SCA adds friction that impacts the success rate of the transactions);
  • How the use of exemptions changes the conversion.

In addition, merchants and PSPs will learn about the impact the exemptions have on the conversion rates. Issuers will be able to compare their results to the insights from the overall market.


EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.

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