{"id":303,"date":"2022-05-05T10:23:00","date_gmt":"2022-05-05T10:23:00","guid":{"rendered":"https:\/\/platforms.globalpayments.com\/en\/?p=303"},"modified":"2025-03-27T12:39:37","modified_gmt":"2025-03-27T12:39:37","slug":"3ds2-mandate-what-is-it-and-how-does-it-affect-my-business","status":"publish","type":"post","link":"https:\/\/platforms.globalpayments.com\/en\/blog\/3ds2-mandate-what-is-it-and-how-does-it-affect-my-business\/","title":{"rendered":"3DS2 Visa Secure: What is it and how does it affect my business?"},"content":{"rendered":"<section class=\"blog-contents-block py-12 lg:py-24\" x-data=\"blogContents('', [])\">\n    <div class=\"container relative\">\n        <div class=\"flex flex-wrap -mt-8 lg:-mx-4\">\n            <div class=\"order-1 w-full mt-8 lg:px-4 lg:flex-1 lg:order-0\">\n                <div class=\"acf-innerblocks-container\">\n\n<p class=\"has-purple-default-color has-text-color has-link-color wp-elements-cc5bfa6ed804f2f8063e55156c8a9940 wp-block-paragraph\"><strong>Update as of 17 August 2022<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Visa has withdrawn the proposed 3DS2 mandate so it is&nbsp;<strong>no longer mandatory<\/strong>&nbsp;for Merchants operating in Australia and New Zealand to have 3DS2.0 enabled by 15 October 2022 to continue transacting with Visa. However, we still strongly recommend having 3DS2 as an additional protection against fraudulent transactions. Contact us to talk through your options and find what works best for your platform and clients.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"484\" height=\"430\" src=\"https:\/\/platforms.globalpayments.com\/en\/wp-content\/uploads\/sites\/2\/2022\/05\/3ds2-image.png\" alt=\"\" class=\"wp-image-580\" srcset=\"https:\/\/platforms.globalpayments.com\/en\/wp-content\/uploads\/sites\/2\/2022\/05\/3ds2-image.png 484w, https:\/\/platforms.globalpayments.com\/en\/wp-content\/uploads\/sites\/2\/2022\/05\/3ds2-image-300x267.png 300w\" sizes=\"(max-width: 484px) 100vw, 484px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading mb-0\" id=\"overview\">Overview<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Visa Secure is a program by Visa that is designed to reduce the prevalence and severity of fraud for Merchants and businesses that transact using Visa. The rollout of 3DS2 is no longer mandated by Visa, meaning you&nbsp;<strong>do not need to have 3DS2 enabled<\/strong>&nbsp;to continue processing transactions after 15 October this year. However, Visa will still be sunsetting 3DS1.0 and only accepting 3DS2.0 transactions from the 15th October onwards.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">EMV 3DS2 is an authentication protocol that was designed to reduce fraud, increase customer security and reduce merchant liability to chargebacks. The new 3D Secure 2 (3DS2) protocol has been developed to meet the requirements of the modern remote payments environment, including the mobile checkout experience, and is also the solution for European businesses to the upcoming Strong Customer Authentication (SCA) regulations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-custom-container bg-blue mt-0 mb-0 pt-12 pb-12\"><div class=\"container\">\n<h3 class=\"wp-block-heading has-white-color has-text-color has-link-color mb-0 wp-elements-d56dffe0d31ccc4983936790843966e8\">The new 3D Secure 2 (3DS2) protocol has been developed to meet the requirements of the modern remote payments environment, including the mobile checkout experience.<\/h3>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">3DS2 is designed to increase approval rates and reduce fraudulent transactions, such as enumeration attacks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Enumeration attacks are a type of fraud attack in which a criminal \u2018systematically submits transactions with enumerated values for the primary account number (PAN), Card Verification Value 2 (CVV2), expiration date and postal code to derive legitimate payment account details. This type of attack is commonly referred to as a brute force attack,\u2019 Visa describes in their\u00a0<a href=\"https:\/\/platforms.globalpayments.com\/en\/wp-content\/uploads\/sites\/2\/2025\/03\/Australia-2021-Security-Roadmap-Launch-2-December-2021.pdf\">Australia 2021 Security Roadmap Launch<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading mb-0\" id=\"timeframe\">3DS2 and the Visa Secure Program<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">3DS2 forms a crucial part of the Visa Secure Program. Visa have released a product roadmap and information detailing the changes to EMV 3DS2 and how it incorporates into their wider program. Click the button below to download a copy.<\/p>\n\n\n\n<div class=\"wp-block-custom-container bg-transparent mt-0 mb-0 pt-12 pb-12\"><div class=\"container\"><div class=\"columns-block max-w-2000 overflow-hidden\" id=\"columns-block_e0cbf12d317363eda78e4f26df512676\">\n    <div class=\"flex flex-wrap columns-block-container -mx-5 -mt-12 justify-start\">\n<div class=\"column-block flex flex-col mt-12 px-5  w-full md:w-full lg:w-1\/2 xl:w-1\/2\"\n    id=\"column-block_33d756eaa0ea17a189312e8259ce8523\">\n    <div class=\"flex flex-col flex-grow rounded-xl relative  bg-transparent items-start justify-center\">\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"640\" height=\"480\" src=\"https:\/\/platforms.globalpayments.com\/en\/wp-content\/uploads\/sites\/2\/2025\/03\/Untitled-design-93-640x480-1.png\" alt=\"\" class=\"wp-image-304\" srcset=\"https:\/\/platforms.globalpayments.com\/en\/wp-content\/uploads\/sites\/2\/2025\/03\/Untitled-design-93-640x480-1.png 640w, https:\/\/platforms.globalpayments.com\/en\/wp-content\/uploads\/sites\/2\/2025\/03\/Untitled-design-93-640x480-1-300x225.png 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n\n<\/div>\n<\/div>\n\n\n<div class=\"column-block flex flex-col mt-12 px-5  w-full md:w-full lg:w-1\/2 xl:w-1\/2\"\n    id=\"column-block_33d756eaa0ea17a189312e8259ce8523\">\n    <div class=\"flex flex-col flex-grow rounded-xl relative  bg-transparent items-start justify-center\">\n\n<p class=\"is-style-label-black wp-block-paragraph\">DOWNLOAD THE ROADMAP<\/p>\n\n\n\n<h4 class=\"wp-block-heading mb-0\">2021-2023 Visa Security Roadmap for Australia<\/h4>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-blue-default-background-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/platforms.globalpayments.com\/en\/wp-content\/uploads\/sites\/2\/2025\/03\/visa-security-roadmap-2021-2023.pdf\">Download now<\/a><\/div>\n<\/div>\n\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading mb-0\" id=\"What-is-EMV-3DS2\">What is EMV 3DS2?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">3DS2 is a more secure way to process payments and provides a better checkout experience for shoppers. Rather than requiring a multi-step verification process, including a one-time password, 3DS2 collates online activity, and analyses previous shopping behaviour to verify a transaction. Implementing 3DS2 has been shown to increase payment approval rates and decrease successful fraudulent transactions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For more information on 3DS2,<a href=\"https:\/\/platforms.globalpayments.com\/en\/3dsecure-feature-page\">&nbsp;click here.<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to Visa, businesses who implement 3DS2 are already seeing positive results:<\/p>\n\n\n\n<div class=\"wp-block-custom-container bg-blue mt-4 mb-0 pt-12 pb-12\"><div class=\"container\">\n<h4 class=\"wp-block-heading has-white-color has-text-color has-link-color mb-0 wp-elements-e69d81a14ac9a6f31301c4930f3ff45d\">As Visa issuers in Australia have enabled Visa Secure [with 3DS2], the benefits of the additional data available to authenticate an online transaction have been realised. Domestic transactions have experienced an uplift in approval rates and a reduction in fraud. In addition, the Non-Payment Authentication feature to authenticate a Visa cardholder outside of the transaction has proven useful in cases such as ride hailing and fuel dispensing where the transaction occurs after the goods or services are provided.<\/h4>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color has-xl-font-size wp-elements-e19d0b6912a38f0b4e814a84e854cb6e wp-block-paragraph\"><small>\u2013 Visa Security Roadmap, 2021-2023<\/small><\/p>\n<\/div><\/div>\n\n\n\n<p class=\"is-style-label-black wp-block-paragraph\">Information Specific to Your Setup With Us<\/p>\n\n\n\n<h2 class=\"wp-block-heading mb-0\">How to incorporate 3DS2 into your payments ecosystem<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">By activating 3DS2 with us, all of your electronic card transactions, including Visa, Mastercard and Amex will be protected.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depending on your relationship with us and the type of integration you have set up, the process to implement 3DS2 may change slightly. Click on the below scenario that matches your current integration setup to find out more about how you can implement 3DS2.<\/p>\n\n\n<div class=\"faqs-block\">\n<div class=\"faq-block pb-8 border-b\" id=\"faq-block_c3ba0dfeafe62bd34728245db0419366\"\n    :class=\"expanded ? 'border-black' : 'border-grey-200'\" x-data=\"faq()\">\n    <h4 class=\"flex items-center justify-between pt-8 pr-4 cursor-pointer\" x-on:click=\"expanded = !expanded\">\n        REST API - Integration Integrated Partners\n        <svg class=\"flex-shrink-0 w-4 h-4 transition-colors duration-300 fill-purple\" viewBox=\"0 0 24 24\"\n            xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n            <path\n                d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" \/>\n            <path class=\"transition-transform duration-300\"\n                d=\"m11.75 21c.414 0 .75-.336.75-.75v-16.5c0-.414-.336-.75-.75-.75s-.75.336-.75.75v16.5c0 .414.336.75.75.75z\"\n                transform-origin=\"center\" :class=\"!expanded ? 'rotate-0' : 'rotate-90'\" \/>\n        <\/svg>\n    <\/h4>\n    <div class=\"expandable-content\" x-show=\"expanded\" x-collapse x-cloak>\n        <div class=\"pt-4\">\n\n<p class=\"wp-block-paragraph\">If you are currently integrated with Embedded Payments via REST API, you can view our API documentation here for the required steps to enable 3DS2:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/docs.rest.paymentsapi.io\/#faff43cd-5e44-471c-ad23-64a1fd28f90f\" target=\"_blank\" rel=\"noreferrer noopener\">REST API Documentation \u2013 3DS2&nbsp;<\/a><\/p>\n\n<\/div>\n    <\/div>\n<\/div>\n\n\n<div class=\"faq-block pb-8 border-b\" id=\"faq-block_664e662373420bc8f213d711fe4a6252\"\n    :class=\"expanded ? 'border-black' : 'border-grey-200'\" x-data=\"faq()\">\n    <h4 class=\"flex items-center justify-between pt-8 pr-4 cursor-pointer\" x-on:click=\"expanded = !expanded\">\n        Hosted Payment Pages - Integrated Partners\n        <svg class=\"flex-shrink-0 w-4 h-4 transition-colors duration-300 fill-purple\" viewBox=\"0 0 24 24\"\n            xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n            <path\n                d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" \/>\n            <path class=\"transition-transform duration-300\"\n                d=\"m11.75 21c.414 0 .75-.336.75-.75v-16.5c0-.414-.336-.75-.75-.75s-.75.336-.75.75v16.5c0 .414.336.75.75.75z\"\n                transform-origin=\"center\" :class=\"!expanded ? 'rotate-0' : 'rotate-90'\" \/>\n        <\/svg>\n    <\/h4>\n    <div class=\"expandable-content\" x-show=\"expanded\" x-collapse x-cloak>\n        <div class=\"pt-4\">\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"727\" height=\"624\" src=\"https:\/\/platforms.globalpayments.com\/en\/wp-content\/uploads\/sites\/2\/2025\/03\/image-3.png\" alt=\"\" class=\"wp-image-307\" srcset=\"https:\/\/platforms.globalpayments.com\/en\/wp-content\/uploads\/sites\/2\/2025\/03\/image-3.png 727w, https:\/\/platforms.globalpayments.com\/en\/wp-content\/uploads\/sites\/2\/2025\/03\/image-3-300x257.png 300w\" sizes=\"(max-width: 727px) 100vw, 727px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">This is an example of a Hosted Payment Page.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you are using one of our Hosted Payment Pages you will not need to do any development or coding work on your side to have 3DS2 enabled. You simply need to contact us with your request to turn on 3DS2 and once activated, the payer will see 3DS2 as part of the checkout flow moving forward.<\/p>\n\n<\/div>\n    <\/div>\n<\/div>\n\n\n<div class=\"faq-block pb-8 border-b\" id=\"faq-block_c4d6d87b32dc19dc1853a07b02eec159\"\n    :class=\"expanded ? 'border-black' : 'border-grey-200'\" x-data=\"faq()\">\n    <h4 class=\"flex items-center justify-between pt-8 pr-4 cursor-pointer\" x-on:click=\"expanded = !expanded\">\n        SOAP Integration - Integrated Partners\n        <svg class=\"flex-shrink-0 w-4 h-4 transition-colors duration-300 fill-purple\" viewBox=\"0 0 24 24\"\n            xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n            <path\n                d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" \/>\n            <path class=\"transition-transform duration-300\"\n                d=\"m11.75 21c.414 0 .75-.336.75-.75v-16.5c0-.414-.336-.75-.75-.75s-.75.336-.75.75v16.5c0 .414.336.75.75.75z\"\n                transform-origin=\"center\" :class=\"!expanded ? 'rotate-0' : 'rotate-90'\" \/>\n        <\/svg>\n    <\/h4>\n    <div class=\"expandable-content\" x-show=\"expanded\" x-collapse x-cloak>\n        <div class=\"pt-4\">\n\n<p class=\"wp-block-paragraph\">If you are using a SOAP integration and want to enable 3DS2, we recommend you contact us to speak through the required steps, as they will be different depending on your setup with us. You can use the contact form below, or get in touch with your account manager.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At a high level, clients with a SOAP integration will need to replace their current card capture and transaction generation calls from SOAP, move to&nbsp;<a href=\"https:\/\/docs.rest.paymentsapi.io\/#ecd1736d-29f4-459f-b500-a996c8dee11e\">REST Tokenisation<\/a>&nbsp;and&nbsp;<a href=\"https:\/\/docs.rest.paymentsapi.io\/#14654018-76b6-4b4b-9ecd-a8e89a3b7af7\">Transaction Processing<\/a>&nbsp;and then process 3DS 2as per the 3DS2 sub section:&nbsp;<a href=\"https:\/\/docs.rest.paymentsapi.io\/#faff43cd-5e44-471c-ad23-64a1fd28f90f\">https:\/\/docs.rest.paymentsapi.io\/#faff43cd-5e44-471c-ad23-64a1fd28f90f.<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We encourage you to contact us to work through these items so we can assist you with the required development.<\/p>\n\n<\/div>\n    <\/div>\n<\/div>\n\n<\/div>\n\n<\/div>\n            <\/div>\n            <div class=\"w-full mt-8 lg:px-4 lg:max-w-96 lg:order-1\">\n                <div class=\"w-full lg:sticky lg:top-36\">\n                                                                <div class=\"w-full p-6 bg-purple-200 rounded-lg\">\n                            <p class=\"font-bold text-[17px] mb-3 lg:text-[25px]\">\n                                Table of Contents\n                            <\/p>\n                            <div class=\"blog-contents-container\">\n                                                                    <a class=\"relative flex w-full py-4 !no-underline\" href=\"#\"\n                                        x-on:click.prevent=\"changeTab('')\">\n                                        <span\n                                            class=\"mr-4\">01\n                                        <\/span>\n                                        Overview\n                                        <span\n                                            class=\"absolute bottom-0 transition-all duration-300 left-0 w-full h-[1px] bg-grey\"\n                                            :class=\"tab === '' ?\n                                                'bg-purple h-[3px]' :\n                                                'bg-grey'\">\n                                        <\/span>\n                                    <\/a>\n                                                                    <a class=\"relative flex w-full py-4 !no-underline\" href=\"#\"\n                                        x-on:click.prevent=\"changeTab('')\">\n                                        <span\n                                            class=\"mr-4\">02\n                                        <\/span>\n                                        3DS2 and the Visa Secure Program\n                                        <span\n                                            class=\"absolute bottom-0 transition-all duration-300 left-0 w-full h-[1px] bg-grey\"\n                                            :class=\"tab === '' ?\n                                                'bg-purple h-[3px]' :\n                                                'bg-grey'\">\n                                        <\/span>\n                                    <\/a>\n                                                                    <a class=\"relative flex w-full py-4 !no-underline\" href=\"#\"\n                                        x-on:click.prevent=\"changeTab('')\">\n                                        <span\n                                            class=\"mr-4\">03\n                                        <\/span>\n                                        What is EMV 3DS2?\n                                        <span\n                                            class=\"absolute bottom-0 transition-all duration-300 left-0 w-full h-[1px] bg-grey\"\n                                            :class=\"tab === '' ?\n                                                'bg-purple h-[3px]' :\n                                                'bg-grey'\">\n                                        <\/span>\n                                    <\/a>\n                                                                    <a class=\"relative flex w-full py-4 !no-underline\" href=\"#\"\n                                        x-on:click.prevent=\"changeTab('')\">\n                                        <span\n                                            class=\"mr-4\">04\n                                        <\/span>\n                                        How to Implement 3DS2\n                                        <span\n                                            class=\"absolute bottom-0 transition-all duration-300 left-0 w-full h-[1px] bg-grey\"\n                                            :class=\"tab === '' ?\n                                                'bg-purple h-[3px]' :\n                                             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blogs<\/h2>\n\n\n<div class=\"related-blogs-block -mx-4 first:mt-0 mt-10\" id=\"related-blogs-block_f70116d7c9c0f6ce0b89011d8dbd88b9\">\n        <div class=\"flex swiper related-blogs-swiper\">\n            <div class=\"items-stretch swiper-wrapper\">\n                                    <div class=\"flex h-full px-4 pt-5 swiper-slide\">\n                        <a class=\"flex flex-col justify-start flex-1 w-full h-full p-8 transition-colors duration-150 ease-in-out bg-white shadow-base hover:bg-neutral-lightest rounded-4xl 2xl:p-12\" href=\"https:\/\/platforms.globalpayments.com\/en\/blog\/the-ultimate-implementation-guide-for-software-payment-processing\/\">\n            <p class=\"text-base font-bold uppercase text-brand-blue\">\n            Blog post<\/p>\n                <h5 class=\"text-xl font-normal text-brand-black\">The ultimate implementation guide for software payment processing<\/h5>\n            \n  <\/a>\n                    <\/div>\n                                    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href=\"https:\/\/platforms.globalpayments.com\/en\/blog\/what-is-changing-with-card-surcharging\/\">\n            <p class=\"text-base font-bold uppercase text-brand-blue\">\n            Blog post<\/p>\n                <h5 class=\"text-xl font-normal text-brand-black\">Card surcharge changes explained: What businesses need to know<\/h5>\n            \n  <\/a>\n                    <\/div>\n                                    <div class=\"flex h-full px-4 pt-5 swiper-slide\">\n                        <a class=\"flex flex-col justify-start flex-1 w-full h-full p-8 transition-colors duration-150 ease-in-out bg-white shadow-base hover:bg-neutral-lightest rounded-4xl 2xl:p-12\" href=\"https:\/\/platforms.globalpayments.com\/en\/resources\/videos\/unlocking-growth-software-led-payments-transform-platforms-and-revenue\/\">\n            <p class=\"text-base font-bold uppercase text-brand-blue\">\n            video<\/p>\n                <h5 class=\"text-xl font-normal text-brand-black\">Unlocking growth: Software-led payments transform platforms and revenue<\/h5>\n            \n  <\/a>\n                    <\/div>\n                                    <div class=\"flex h-full px-4 pt-5 swiper-slide\">\n                        <a class=\"flex flex-col justify-start flex-1 w-full h-full p-8 transition-colors duration-150 ease-in-out bg-white shadow-base hover:bg-neutral-lightest rounded-4xl 2xl:p-12\" href=\"https:\/\/platforms.globalpayments.com\/en\/blog\/fraud-is-no-longer-a-merchant-problem-its-a-platform-imperative\/\">\n            <p class=\"text-base font-bold uppercase text-brand-blue\">\n            Blog post<\/p>\n                <h5 class=\"text-xl font-normal text-brand-black\">Fraud is no longer a merchant problem\u2014it\u2019s a platform imperative<\/h5>\n            \n  <\/a>\n                    <\/div>\n                                    <div class=\"flex h-full px-4 pt-5 swiper-slide\">\n                        <a class=\"flex flex-col justify-start flex-1 w-full h-full p-8 transition-colors duration-150 ease-in-out bg-white shadow-base hover:bg-neutral-lightest rounded-4xl 2xl:p-12\" href=\"https:\/\/platforms.globalpayments.com\/en\/resources\/podcast\/a-look-at-how-fraudsters-are-using-ai-to-perpetuate-payments-fraud\/\">\n            <p class=\"text-base font-bold uppercase text-brand-blue\">\n            podcast<\/p>\n                <h5 class=\"text-xl font-normal text-brand-black\">A look at how fraudsters are using AI to perpetuate payments fraud<\/h5>\n            \n  <\/a>\n                    <\/div>\n                                    <div class=\"flex h-full px-4 pt-5 swiper-slide\">\n                        <a class=\"flex flex-col justify-start flex-1 w-full h-full p-8 transition-colors duration-150 ease-in-out bg-white shadow-base hover:bg-neutral-lightest rounded-4xl 2xl:p-12\" href=\"https:\/\/platforms.globalpayments.com\/en\/blog\/how-software-companies-can-protect-merchants-from-cyber-attacks\/\">\n            <p class=\"text-base font-bold uppercase text-brand-blue\">\n            Blog post<\/p>\n                <h5 class=\"text-xl font-normal text-brand-black\">How software companies can protect merchants from cyber-attacks<\/h5>\n            \n  <\/a>\n                    <\/div>\n                                    <div class=\"flex h-full px-4 pt-5 swiper-slide\">\n                        <a class=\"flex flex-col justify-start flex-1 w-full h-full p-8 transition-colors duration-150 ease-in-out bg-white shadow-base hover:bg-neutral-lightest rounded-4xl 2xl:p-12\" href=\"https:\/\/platforms.globalpayments.com\/en\/blog\/the-advantages-of-an-expert-guided-implementation-of-digital-payment-solutions\/\">\n            <p class=\"text-base font-bold uppercase text-brand-blue\">\n            Blog post<\/p>\n                <h5 class=\"text-xl font-normal text-brand-black\">The advantages of an expert-guided implementation of digital payment solutions<\/h5>\n            \n  <\/a>\n                    <\/div>\n                                    <div class=\"flex h-full px-4 pt-5 swiper-slide\">\n                        <a class=\"flex flex-col justify-start flex-1 w-full h-full p-8 transition-colors duration-150 ease-in-out bg-white shadow-base hover:bg-neutral-lightest rounded-4xl 2xl:p-12\" href=\"https:\/\/platforms.globalpayments.com\/en\/blog\/payment-fraud-its-more-common-than-you-think\/\">\n            <p class=\"text-base font-bold uppercase text-brand-blue\">\n            Blog post<\/p>\n                <h5 class=\"text-xl font-normal text-brand-black\">Payment fraud: It\u2019s more common than you think\u00a0<\/h5>\n            \n  <\/a>\n                    <\/div>\n                                    <div class=\"flex h-full px-4 pt-5 swiper-slide\">\n                        <a class=\"flex flex-col justify-start flex-1 w-full h-full p-8 transition-colors duration-150 ease-in-out bg-white shadow-base hover:bg-neutral-lightest rounded-4xl 2xl:p-12\" href=\"https:\/\/platforms.globalpayments.com\/en\/blog\/how-to-prepare-for-the-new-pci-dss-4-0-requirements\/\">\n            <p class=\"text-base font-bold uppercase text-brand-blue\">\n            Blog post<\/p>\n                <h5 class=\"text-xl font-normal text-brand-black\">How to prepare for the new PCI DSS 4.0 requirements<\/h5>\n            \n  <\/a>\n                    <\/div>\n                                    <div class=\"flex h-full px-4 pt-5 swiper-slide\">\n                        <a class=\"flex flex-col justify-start flex-1 w-full h-full p-8 transition-colors duration-150 ease-in-out bg-white shadow-base hover:bg-neutral-lightest rounded-4xl 2xl:p-12\" href=\"https:\/\/platforms.globalpayments.com\/en\/blog\/pcidss\/\">\n            <p class=\"text-base font-bold uppercase text-brand-blue\">\n            Blog post<\/p>\n                <h5 class=\"text-xl font-normal text-brand-black\">What is PCI DSS<\/h5>\n            \n  <\/a>\n                    <\/div>\n                                    <div class=\"flex h-full px-4 pt-5 swiper-slide\">\n                        <a class=\"flex flex-col justify-start flex-1 w-full h-full p-8 transition-colors duration-150 ease-in-out bg-white shadow-base hover:bg-neutral-lightest rounded-4xl 2xl:p-12\" href=\"https:\/\/platforms.globalpayments.com\/en\/resources\/ebook\/merchant-migration-playbook\/\">\n            <p class=\"text-base font-bold uppercase text-brand-blue\">\n            ebook<\/p>\n                <h5 class=\"text-xl font-normal text-brand-black\">Merchant Migration Playbook<\/h5>\n            \n  <\/a>\n                    <\/div>\n                                    <div class=\"flex h-full px-4 pt-5 swiper-slide\">\n                        <a class=\"flex flex-col justify-start flex-1 w-full h-full p-8 transition-colors duration-150 ease-in-out bg-white shadow-base hover:bg-neutral-lightest rounded-4xl 2xl:p-12\" href=\"https:\/\/platforms.globalpayments.com\/en\/blog\/why-embedded-payments-are-transforming-the-healthcare-experience\/\">\n            <p class=\"text-base font-bold uppercase text-brand-blue\">\n            Blog post<\/p>\n                <h5 class=\"text-xl font-normal text-brand-black\">Why\u00a0embedded payments are transforming the healthcare experience<\/h5>\n            \n  <\/a>\n                    <\/div>\n                                    <div class=\"flex h-full px-4 pt-5 swiper-slide\">\n                        <a class=\"flex flex-col justify-start flex-1 w-full h-full p-8 transition-colors duration-150 ease-in-out bg-white shadow-base hover:bg-neutral-lightest rounded-4xl 2xl:p-12\" href=\"https:\/\/platforms.globalpayments.com\/en\/blog\/grow-your-field-service-platforms\/\">\n            <p class=\"text-base font-bold uppercase text-brand-blue\">\n            Blog post<\/p>\n                <h5 class=\"text-xl font-normal text-brand-black\">How to grow your field service platform&#039;s revenue up to 3x with payments<\/h5>\n            \n  <\/a>\n                    <\/div>\n                                    <div class=\"flex h-full px-4 pt-5 swiper-slide\">\n                        <a class=\"flex flex-col justify-start flex-1 w-full h-full p-8 transition-colors duration-150 ease-in-out bg-white shadow-base hover:bg-neutral-lightest rounded-4xl 2xl:p-12\" href=\"https:\/\/platforms.globalpayments.com\/en\/resources\/ebook\/power-of-vertical-saas\/\">\n            <p class=\"text-base font-bold uppercase text-brand-blue\">\n            ebook<\/p>\n                <h5 class=\"text-xl font-normal text-brand-black\">Vertical SaaS: Miss the moment, miss the market<\/h5>\n            \n  <\/a>\n                    <\/div>\n                                    <div class=\"flex h-full px-4 pt-5 swiper-slide\">\n                        <a class=\"flex flex-col justify-start flex-1 w-full h-full p-8 transition-colors duration-150 ease-in-out bg-white shadow-base hover:bg-neutral-lightest rounded-4xl 2xl:p-12\" href=\"https:\/\/platforms.globalpayments.com\/en\/blog\/the-in-person-payments-opportunity\/\">\n            <p class=\"text-base font-bold uppercase text-brand-blue\">\n            Blog post<\/p>\n                <h5 class=\"text-xl font-normal text-brand-black\">The in\u2011person payments opportunity: How card\u2011present payments boost SaaS revenue<\/h5>\n            \n  <\/a>\n                    <\/div>\n                                    <div class=\"flex h-full px-4 pt-5 swiper-slide\">\n                        <a class=\"flex flex-col justify-start flex-1 w-full h-full p-8 transition-colors duration-150 ease-in-out bg-white shadow-base hover:bg-neutral-lightest rounded-4xl 2xl:p-12\" href=\"https:\/\/platforms.globalpayments.com\/en\/blog\/integrated-vs-embedded-payments\/\">\n            <p class=\"text-base font-bold uppercase text-brand-blue\">\n            Blog post<\/p>\n                <h5 class=\"text-xl font-normal text-brand-black\">Integrated vs. embedded payments: The strategic decision for vertical SaaS<\/h5>\n            \n  <\/a>\n                    <\/div>\n                                    <div class=\"flex h-full px-4 pt-5 swiper-slide\">\n                        <a class=\"flex flex-col justify-start flex-1 w-full h-full p-8 transition-colors duration-150 ease-in-out bg-white shadow-base hover:bg-neutral-lightest rounded-4xl 2xl:p-12\" href=\"https:\/\/platforms.globalpayments.com\/en\/customers\/xoda\/\">\n            <p class=\"text-base font-bold uppercase text-brand-blue\">\n            case-study<\/p>\n                <h5 class=\"text-xl font-normal text-brand-black\">Powering seamless fitness experiences with embedded payments at Xoda<\/h5>\n            \n  <\/a>\n                    <\/div>\n                                    <div class=\"flex h-full px-4 pt-5 swiper-slide\">\n                        <a class=\"flex flex-col justify-start flex-1 w-full h-full p-8 transition-colors duration-150 ease-in-out bg-white shadow-base hover:bg-neutral-lightest rounded-4xl 2xl:p-12\" href=\"https:\/\/platforms.globalpayments.com\/en\/resources\/videos\/growth-journey-for-platform-partners\/\">\n            <p class=\"text-base font-bold uppercase text-brand-blue\">\n            video<\/p>\n                <h5 class=\"text-xl font-normal text-brand-black\">Growth Journey for Platform Partners<\/h5>\n            \n  <\/a>\n                    <\/div>\n                                    <div class=\"flex h-full px-4 pt-5 swiper-slide\">\n                        <a class=\"flex flex-col justify-start flex-1 w-full h-full p-8 transition-colors duration-150 ease-in-out bg-white shadow-base hover:bg-neutral-lightest rounded-4xl 2xl:p-12\" href=\"https:\/\/platforms.globalpayments.com\/en\/resources\/videos\/revenue-opportunity-for-partners\/\">\n            <p class=\"text-base font-bold uppercase text-brand-blue\">\n            video<\/p>\n                <h5 class=\"text-xl font-normal text-brand-black\">Revenue Opportunity for Partners<\/h5>\n            \n  <\/a>\n                    <\/div>\n                                    <div class=\"flex h-full px-4 pt-5 swiper-slide\">\n                        <a class=\"flex flex-col justify-start flex-1 w-full h-full p-8 transition-colors duration-150 ease-in-out bg-white shadow-base hover:bg-neutral-lightest rounded-4xl 2xl:p-12\" href=\"https:\/\/platforms.globalpayments.com\/en\/resources\/videos\/how-is-worldpay-for-platforms-owning-it-for-their-customers\/\">\n            <p class=\"text-base font-bold uppercase text-brand-blue\">\n            video<\/p>\n                <h5 class=\"text-xl font-normal text-brand-black\">How is Global Payments for Platforms owning it for their customers<\/h5>\n            \n  <\/a>\n                    <\/div>\n                                    <div class=\"flex h-full px-4 pt-5 swiper-slide\">\n                        <a class=\"flex flex-col justify-start flex-1 w-full h-full p-8 transition-colors duration-150 ease-in-out bg-white shadow-base hover:bg-neutral-lightest rounded-4xl 2xl:p-12\" href=\"https:\/\/platforms.globalpayments.com\/en\/resources\/videos\/what-differentiates-worldpay-for-platforms\/\">\n            <p class=\"text-base font-bold uppercase text-brand-blue\">\n            video<\/p>\n                <h5 class=\"text-xl font-normal text-brand-black\">What differentiates Global Payments for Platforms<\/h5>\n            \n  <\/a>\n                    <\/div>\n                                    <div class=\"flex h-full px-4 pt-5 swiper-slide\">\n                        <a class=\"flex flex-col justify-start flex-1 w-full h-full p-8 transition-colors duration-150 ease-in-out bg-white shadow-base hover:bg-neutral-lightest rounded-4xl 2xl:p-12\" href=\"https:\/\/platforms.globalpayments.com\/en\/resources\/videos\/whats-exciting-our-team-about-the-future-of-embedded-payments\/\">\n            <p class=\"text-base font-bold uppercase text-brand-blue\">\n            video<\/p>\n                <h5 class=\"text-xl font-normal text-brand-black\">What&#039;s exciting our team about the future of embedded payments<\/h5>\n            \n  <\/a>\n                    <\/div>\n                                    <div class=\"flex h-full px-4 pt-5 swiper-slide\">\n                        <a class=\"flex flex-col justify-start flex-1 w-full h-full p-8 transition-colors duration-150 ease-in-out bg-white shadow-base hover:bg-neutral-lightest rounded-4xl 2xl:p-12\" href=\"https:\/\/platforms.globalpayments.com\/en\/resources\/videos\/tokenisation\/\">\n            <p class=\"text-base font-bold uppercase text-brand-blue\">\n            video<\/p>\n                <h5 class=\"text-xl font-normal text-brand-black\">Tokenisation<\/h5>\n            \n  <\/a>\n                    <\/div>\n                            <\/div>\n            <div class=\"flex flex-wrap items-end justify-between w-full px-4 mt-10 md:flex-nowrap\">\n                <div class=\"relative flex items-center gap-4 px-0 mb-4 md:mb-0 lg:pr-10\">\n                    <button type=\"button\" class=\"cursor-pointer group swiper-prev\" aria-label=\"Previous page\">\n                        <svg width=\"40\" height=\"40\" viewBox=\"0 0 40 40\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                          <rect class=\"transition-colors duration-200 stroke-brand-blue group-hover:stroke-black\" x=\"1.5\" y=\"1.5\" width=\"37\" height=\"37\" rx=\"18.5\" stroke-width=\"3\"\/>\n                          <path class=\"transition-colors duration-200 stroke-brand-blue group-hover:stroke-black\" d=\"M23 26L17 19.5L23 13\" stroke-width=\"2\"\/>\n                        <\/svg>\n\n                    <\/button>\n                    <div class=\"swiper-pagination related-blogs-pagination swiper-pagination-numbers\">\n                    <\/div>\n                    <button type=\"button\" class=\"cursor-pointer group swiper-next\" aria-label=\"Next page\">\n                        <svg width=\"40\" height=\"40\" viewBox=\"0 0 40 40\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                        <rect class=\"transition-colors duration-200 stroke-brand-blue group-hover:stroke-black\" x=\"1.5\" y=\"1.5\" width=\"37\" height=\"37\" rx=\"18.5\" stroke-width=\"3\"\/>\n                        <path class=\"transition-colors duration-200 stroke-brand-blue group-hover:stroke-black\" d=\"M17 26L23 19.5L17 13\" stroke-width=\"2\"\/>\n                        <\/svg>\n\n                    <\/button>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8],"tags":[],"topic":[],"class_list":["post-303","post","type-post","status-publish","format-standard","hentry","category-blog-post"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v28.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>3DSecure 2.0: What it is and how can I use it for my business?<\/title>\n<meta name=\"description\" content=\"UPDATE: Visa has withdrawn the mandate so it is no longer mandatory for Merchants operating in Australia and New Zealand to have 3DS2.0 enabled to continue transacting with Visa. However, Visa will still be sunsetting its operations with 3DS1.0 as of 14th October. From this date, Merchants who are using 3DS1.0 can transfer over to 3DS2.0. This service is available through Payrix.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/platforms.globalpayments.com\/en\/blog\/3ds2-mandate-what-is-it-and-how-does-it-affect-my-business\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"3DS2 Visa Secure: What is it and how does it affect my business?\" \/>\n<meta property=\"og:description\" content=\"UPDATE: Visa has withdrawn the mandate so it is no longer mandatory for Merchants operating in Australia and New Zealand to have 3DS2.0 enabled to continue transacting with Visa. However, Visa will still be sunsetting its operations with 3DS1.0 as of 14th October. From this date, Merchants who are using 3DS1.0 can transfer over to 3DS2.0. 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