This document has been produced to give a simplified description of the new authentication flow, and to give context to each step of the process.

Important Notice – compliance, regulation and liability: 
Please ensure that you have liaised with your relevant Acquirer(s) about the impact of the sunset of 3-D Secure v1; Strong Customer Authentication (SCA); and EMV 3-D Secure (3-D Secure v2). Whilst regulation and standards have been agreed, it is crucial that Merchants understand how their chosen Acquirer(s) will be handling these updates along with how this may affect your Merchant Account; transaction liability; and associated fees. EMV is a registered trademark in the U.S and other countries an dis an unregistered trademark elsewhere. The EMVⓇ trademark is owned by EMVCo, LLC. As the payments industry continues to evolve, it is Cardstream’s recommendation that Merchants undertake regular transaction checks with their Acquirer(s). Further to this, please ensure that you have shared the latest integration documentation with your technical team and developers. It is important that the latest documentation is used and tested to ensure that compliant transaction flows are supported.