Sarah Fowle

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Activity overview

Latest activity by Sarah Fowle
  • Sarah Fowle created an article,

    3DS: Benefits of version 1.0, 2.1 and 2.2

    The table below shows some of the SCA based benefits of the different versions of 3DS:   Version Features 3DS 1.0 Basic two-factor authentication Support with dynamic linking EMV 3DS 2.1...

  • Sarah Fowle created an article,

    SCA – Identifying Out of Scope and Exempt Transactions

    By correctly identifying out of scope transactions and applying the exemptions, Merchants can minimise friction and reserve SCA for when it is needed:       Published on 25 November 2020

  • Sarah Fowle created an article,

    SCA: Out of Scope Transactions

      The transaction types listed below are considered to be out of scope of the SCA mandate:   Transaction Type Description Payee and Merchant Initiated Transactions (MIT) A transaction, or seri...

  • Sarah Fowle created an article,

    SCA: CoF (Credentials on File) Transactions

    First, let's look at what a CoF transaction is and then we can look at how this relates to SCA:   Credential on file transactions (CoF) Credential on File (CoF) is the process of the cardholder aut...

  • Sarah Fowle created an article,

    3DSv2 Liability Shift

      One of the biggest benefits of 3D Secure 2 (3DSv2) is the chargeback liability shift. It shifts the liability for chargebacks due to fraud from the Merchant to the cardholder’s bank. Card issuers...

  • Sarah Fowle created an article,

    SCA - Important Dates

    The UK FCA extended the SCA transition period for e-commerce by a further 6 months, until 14 September 2021, due to the impact of Covid-19.  UK Finance has made the necessary adjustments to its...

  • Sarah Fowle created an article,

    How do these changes impact Merchants?

    Although 3DSv1 and 3DSv2 will both exist for several years, if you accept payments where the card issuer and the acquirer are based in the European Economic Area (EEA), you need to apply Strong Con...

  • Sarah Fowle created an article,

    What are the benefits of 3DSv2?

    Using 3DSv2 enables Merchants to protect both their business and their customers against potential online card payment fraud. A higher level of security can be achieved without compromising the cus...

  • Sarah Fowle created an article,

    What is Frictionless Authentication?

    Frictionless authentication uses a risk-based approach to determine the risk attached to a transaction and, based on the risk level, whether the customer should be challenged with additional...

  • Sarah Fowle created an article,

    How does 3DSv1 differ to 3DSv2?

    Although 3D Secure version 1 (3DSv1) is compliant for SCA purposes, 3D Secure version 2 (3DSv2) offers a more advanced solution that provides a better customer journey and enriched data flo...