3DSecure The EEA SCA mandate will come into force on 14th September for the European Economic Area. While authentication works well in straight forward situations between cardholder and merchant, there are situations where this may not be the case.
One industry where this happens often is the travel industry. Flights, Hotels and Car Rentals are often booked through agents and travel portals which are acting as agents for the actual merchants providing the service.
When it comes to performing an authentication, the travel industry faces a number of challenges, such as:
- An agent may be accepting payment on behalf of actual merchant
- A payment may be made up of several underlying merchants
There is often a big delay between the Authentication and the actual clearing of the payment, beyond Authentication retention period
- The payment may be part of a number of recurring transactions
- The merchant of record may be hard to identify
- The final amount may not be known
- The Acquiring BIN and MID may not be know at time of Authentication
Endeavour has therefore released a guideline to make sure that our merchants are able to navigate the complex regulations and prevent loss of transactions.
Endeavour has been developing 3DS 2.1 for the last few years and has invested all of it's experience and expertise to ensure that it provides the most reliable, scalable and cost effective solution to the industry.
Our development sandbox is available to our clients to facilitate integration and testing. Please contact us for further details at info@3dsecureauthorize.net.
This arcticle can be also be viewed on linked in at: Guidelines for Corporate and Travel Segment Update for EMV 3DS 2.1