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The Association of Cycle Traders
This is a trade facing website.
Visit the ACTís consumer site at thecyclingexperts.co.uk.

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Results: 1-10 of 1936


9 Jul 2020

With the additional Government funding and Activate Cycle Academy's launch of a brand new apprenticeship standard for bicycle mechanics there has never been a better time to take on an...

8 Jul 2020

The Competition and Markets Authority is leading a Digital Markets Taskforce to provide advice to the Government on the potential design and implementation of pro-competitive measures for...

8 Jul 2020

Coronavirus is clearly having a huge impact on retail workers but one ofthe impacts that is often overlooked is its effect on the mental wellbeing of those working in our stores.

7 Jul 2020

The Government has now published its response to the Call for Evidence on Violence and Abuse towards shop staff which closed in June 2019.

2 Jul 2020

Innovative indie retailers who adapt their business to combat the impact of Covid-19 are to be recognised in a special category in Britain's Best Small Shops competition 2020

2 Jul 2020

The Government has published the Business and Planning Bill in the Houseof Commons designed to make provision relating to the promotion of economic recovery and growth.

1 Jul 2020

Rental e-scooters will become legal on roads in Great Britain from this Saturday, in a bid to ease pressure on public transport amid the coronavirus crisis

1 Jul 2020

To gauge the intentions of the British public, Maybe* has gathered 20,000 answers from regions across the UK to understand if and when they'll return to the shops, and what their concerns...

1 Jul 2020

The FCA are requesting that firms now prepare for phased move to FCA's new data collection platform RegData.

24 Jun 2020

Recent research has investigated how consumer behaviour has developed over the past few months as people have adapted their shopping styles tothe lockdown

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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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