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9 Jul 2025

A recent BBC Breakfast segment has sparked backlash from the cycling community over its portrayal of e-bikes, with critics accusing the broadcaster of conflating legal e-bikes with illegal,...

8 Jul 2025

More than 30 locations across Scotland have seen a major rise in the number of people cycling, according to newly released data.

7 Jul 2025

Sixteen illegally upgraded e-bikes capable of speeds up to 40mph have been seized and disposed of in a joint enforcement operation in Birmingham city centre.

7 Jul 2025

Bristol-based Cytech training provider and ACT member Life Cycle has launched its award-winning Bikes Beyond Bars programme at HMP Bullingdon, expanding a project that has already impacted lives...

4 Jul 2025

New data from Strava reveals a major surge in cycling across the UK, with Gen Z and Millennials leading the charge.

3 Jul 2025

Shimano has launched an urgent investigation into what it describes as a “critical” shortage of skilled bike mechanics across Europe, warning that the situation threatens to...

2 Jul 2025

MPs have called on Amazon and eBay to tighten controls after e-bikes and chargers flagged as serious fire risks were found for sale on their platforms.

25 Jun 2025

The E-Bike Positive campaign has seen major success in the first half of 2025, with its message reaching nearly 8 million people across the UK through high-profile media coverage and growing...

20 Jun 2025

The House of Commons Business and Trade Committee has asked the ACT, and its parent company Bira, to help them reach out to small business retailers across the country, for their quick input on...

20 Jun 2025

Activate Cycle Academy has reopened its Cytech training facility in Darlington, offering a full range of courses from Home Mechanic up to Cytech Technical Three.
 

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Global Payments changes to support 3DS with Digital Wallets

Posted on in Business News , Cycles News

 

Mastercard have announced that from October 2019, Mastercard (and Global Payments) systems can support sending an authorisation request containing both the digital wallet and 3D Secure (3DS) information in it.

This will affect any retailer with a website or mobile app who takes payments using a digital wallet, such as ApplePay or Android Pay with a Mastercard card (token) stored in it.

What Happens Currently?

Up until now it has not been normal practice to use 3DS with a digital wallet for ecommerce transactions. Mastercard currently considers an ecommerce or in-app transaction processed with a digital wallet (such as ApplePay or Android Pay) to be as secure as an ecommerce transaction performed with an actual card number and 3DS.

What Do the Changes Mean For You?

  • From April 2020, Mastercard has mandated that all ecommerce transactions using a Mastercard issued token (such ApplePay and Android Pay) should be secured using 3DS
  • Digital wallet transactions will be treated the same as a regular ecommerce transaction with a card number
  • If a merchant does not secure the transaction with 3DS, they will be liable for any fraud even if the transaction is approved by the issuer
  • With the Strong Customer Authentication requirements of PSD2, an issuer may also choose to decline ecommerce transactions that were not subject to SCA


There is no impact or change for face-to-face merchants who take ApplePay or Android Pay transactions at a point of sale terminal.

What Should You do?

If you currently take payments using a digital wallet on your website or app, then you should contact your PSP or software provider and ask about how they're planning to implement 3DS for your transactions.

They should all have a copy of our latest technical specifications (Version 10) which explains the requirements in technical detail for them.

Learn more about SCA using 3DS

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