PSD2 compliance

Request access token

What are PSD2, SCA, and 3DS?


PSD2 is a European regulation for electronic payment services and introduces security requirements for processing electronic payments. It regulates Third-Party Providers to initiate payment services and protects consumers’ financial data. PSD2 went into effect in September of 2019.


SCA (Strong Customer Authentication) is a requirement of PSD2 and ensures the security of online payments. Transactions with SCA are performed with multi-factor authentication and increase the security of online payments. The requirement for SCA for e-commerce was enforced across most of the EEA from January 1st, 2021, and in the UK from September 15th, 2021.


3DS2 (3D Secure 2) is the new version of the 3D Secure authentication protocol to meet Strong Customer Authentication requirements and drive great authentication accuracy for online payments. Compared to 3DS, 3DS2 collects more data that issuers can use to make better authorization decisions for payment and reduces fraud.

How Viva Wallet Can Help?

Viva Wallet is fully PSD2 compliant.

All the solutions (terminals and checkouts) offered to our merchants are automatically updated to fulfill all PSD2 and SCA requirements.

Viva Wallet as an acquirer

E-commerce payments

Viva Wallet’s Smart Checkout form, plugins, and payment tools are fully PSD2-compliant, with the support of 3DS and 3DS2.2 being handled by the card issuers through the Merchant Plug-in (MPI). Viva Wallet merchants naturally benefit from SCA and 3DS2.

Viva Wallet as an issuer

Viva Wallet debit cardholder

Card present transaction: There is no significant changes regarding in-store payments.

Online transaction: SCA is required. The two factors identification aims to reduce fraud and make online payments more secure by requiring authentication by the Viva Wallet cardholder using at least two of three elements purchasing something from an e-shop:

Card present payments

We have added SCA as a requirement to all Viva Wallet POS terminals. There is nothing to be done on the merchant’s side as all our POS devices have been upgraded automatically. Contactless card payment can be made without using a PIN if the purchase is within the CVM limit of the country. There is also a maximum cumulative total of payments per country that can be made without a PIN.