Search News

Results: 1-10 of 1048


Start again

22 Mar 2024

Rob Brown, co-director of Dalby Forest Cycle Hub, a not-for-profit hire scheme has been nominated for the Tourism Superstar 2024 award, run by VisitEngland.

21 Mar 2024

ACS (The Association of Convenience Stores) and the Federation of Independent Retailers (The Fed) have both welcomed a new report published by the Association of Police and Crime...

21 Mar 2024

As reported by Healthstores UK, new data contained in the 2024 Soil Association Organic Market report shows that independent retailers delivered an impressive 10% growth in 2023, with...

21 Mar 2024

An independent bottle shop and bar in Cheltenham has been named as the UK's Independent Beer and Wine Retailer of the Year 2024 at the Drinks Retailing Awards. 

21 Mar 2024

A number of organisations, including Bira (the British Independent Retailers’ Association), other trade associations, BIDs and unions have met with officials from the Welsh Government to...

21 Mar 2024

The British Independent Retailers’ Association (Bira) has reacted to data released by PwC and the Local Data Company exploring the state of the UK retail landscape.

8 Mar 2024

Daniel Blackham, editor of industry magazine BikeBiz, has been writing about his experience of completing the Cytech technical one qualification at training provider Spokes People in Milton...

6 Mar 2024

Cytech partner Activate Cycle Academy, the largest and most recognised training provider of bike maintenance and technical training courses to the UK’s cycle industry, recently welcomed a...

6 Mar 2024

The Greeting Card Association has reacted to a BBC Panorama programme lifting the lid on Royal Mail management prioritising parcel delivery over letters, which it says are in contradiction of...

4 Mar 2024

Pop star Kate Bush has been announced as an ambassador for this year's Record Store Day, on 20 April.

Back to news menu

Global Payments changes to support 3DS with Digital Wallets

Posted on in Business News , Cycles News

 

Mastercard have announced that from October 2019, Mastercard (and Global Payments) systems can support sending an authorisation request containing both the digital wallet and 3D Secure (3DS) information in it.

This will affect any retailer with a website or mobile app who takes payments using a digital wallet, such as ApplePay or Android Pay with a Mastercard card (token) stored in it.

What Happens Currently?

Up until now it has not been normal practice to use 3DS with a digital wallet for ecommerce transactions. Mastercard currently considers an ecommerce or in-app transaction processed with a digital wallet (such as ApplePay or Android Pay) to be as secure as an ecommerce transaction performed with an actual card number and 3DS.

What Do the Changes Mean For You?

  • From April 2020, Mastercard has mandated that all ecommerce transactions using a Mastercard issued token (such ApplePay and Android Pay) should be secured using 3DS
  • Digital wallet transactions will be treated the same as a regular ecommerce transaction with a card number
  • If a merchant does not secure the transaction with 3DS, they will be liable for any fraud even if the transaction is approved by the issuer
  • With the Strong Customer Authentication requirements of PSD2, an issuer may also choose to decline ecommerce transactions that were not subject to SCA


There is no impact or change for face-to-face merchants who take ApplePay or Android Pay transactions at a point of sale terminal.

What Should You do?

If you currently take payments using a digital wallet on your website or app, then you should contact your PSP or software provider and ask about how they're planning to implement 3DS for your transactions.

They should all have a copy of our latest technical specifications (Version 10) which explains the requirements in technical detail for them.

Learn more about SCA using 3DS

Back to news menu

Useful links

If you have any other queries please contact us.