As of 14 September 2019, the Strong Customer Authentication (SCA) element of the Payment Services Directive 2.0 (PSD2) regulations takes effect. Once in effect, these regulations will apply to all electronic payments, where the acquirer and cardholder are in the European Economic Area. In practice, this means that customers must apply 3D Secure to each and every eCommerce card transactions that fall under SCA, unless an exemption applies.
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