The Payments Services Directive v2 (PSD2) is a directive that aims to enhance the security of internet payments to reduce fraud. For ecommerce businesses, the major change in PSD2 is Strong Customer Authentication (SCA), which is a security protocol commonly met by 3D Secure, although other methods are available.

The initial deadline for SCA was 14 September 2019, but the Financial Conduct Authority (FCA) in the UK delayed the enforcement until 14 September 2021. However, SCA will be introduced gradually in the UK from 1 June 2021, so you must have a solution in place by 1 June 2021.

The EU’s deadline for SCA was 1 January 2021 and if you accept payments from cardholders within the European Economic Area (EEA), you should already comply with SCA.

3D Secure is currently the markets preferred method to comply with SCA (digital wallets, such as PayPal and Amazon Pay, have other methods). The main benefit to you the merchant when using 3D Secure is the liability shift, meaning the card issuer (i.e. Visa, Mastercard) will accept liability for chargebacks.

Enabling 3D Secure is a small settings change within your payment gateway. Below are instructions on how to do this.

Please be aware that this will not enable 3DS for AMEX (American Express) Payments.

To enable 3DS for AMEX, please email with your AMEX Merchant Number, your MCC (Merchant Category Code) and the URL for your eCommerce store. Please contact your merchant provider to ensure the information shared with us is accurate.

Within your Sellerdeck software, go to 'Settings | Business Settings | Payment and Security', the panel that opens should look similar to the image below: -

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Select the 'Sellerdeck Payments Ecommerce' line within the 'Payment Methods' grid, and click the button 'Configure Method', this will display the box shown in the image below: -

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In this box, go to the drop down selection field 'Verify 3DS for Visa' and 'Verify 2DS for M/C' (Mastercard) and change the value to 'On' as in the image below: -

Click image for larger version  Name:	3DSConfig.png Views:	131 Size:	8.9 KB ID:	554116

Click 'OK' to close the box and in the main 'Payments and Security' panel click 'Apply' and click 'OK' to close the panel.

Once you have done this, upload the site for the changes to take place online.
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