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Opayo 3Dsecure- Recent issues, upgrades and troubleshooting.

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This article includes everything you need to know about:

  • The previous issues you may have faced recently when taking payments
  • The reason for these changes and updates
  • Troubleshooting future payment failures

Please read the full article so you can gain a full understanding as this will help you to diagnose any current 3DS payment issues before needing to create a support ticket. 

You can also click here to view our recent blog on Payments, Authentication and Security: Understanding 3DS.

Recent 3D Secure upgrades and the affects on payments...

You may be experiencing errors for failed payments from your guests. There has been a recent introduction of 3DSecure Version 2 (Protocol 4), where a guest is often required to authorize a payment transaction before it can be processed. This is related to the PSD2 (Payment Services Directive) regulations that have been more strongly enforced this year and will continue to do so going forward. It started on the 1st of June 2021 where card providers such as MasterCard, American Express and Visa have started to implement SCA (Strong Customer Authentication) in line with the regulation coming into full force on the 14th March 2022.

Right now if a guest is not using a 3D Secure card or did not complete the SCA process then the payment will likely fail. This is why payment failure rates are higher than ever before. 

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