PSD2 compliance

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On 14 September 2019, new requirements for authenticating online payments were introduced in Europe as part of the second Payment Services Directive (PSD2).

Under PSD2, Strong Customer Authentication (SCA) is a European requirement. Payment providers must use two separate authentication elements from the below to verify an online transaction:

E-commerce payments

Our Smart Checkout, plugins and payment tools are fully PSD2-compliant, with 3DS being handled by the card issuers through SMS one-time passwords.

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.

A contactless card payment can be made without the use of a PIN if the purchase is within the CVM limit of the country. There is also a maximum cumulative sum total of payments per country that can be made without a PIN.