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AUTH: EU PSD2 SCA & EMV 3DS

Authentication Data: EU PSD2 SCA & EMV 3DS Mandates

Navigating strict regulatory requirements like Strong Customer Authentication (SCA) under European PSD2 legislation and global EMV 3DS mandates requires precise identification of whether a card issuer enforces or supports specific authentication protocols. The AUTHENTICATION parameter equips payment gateways, PSPs, and merchants with deep structural data to handle friction and exemption logic seamlessly.

Mastercard Supported Values: [blank], [{"AUTHENTICATION_NAME": "EU PSD2 - SCA"}], or {"AUTHENTICATION_NAME": "JCA - EMV 3DS MANDATE"}.
Visa Supported Values: [blank], [{"AUTHENTICATION_NAME": "EU PSD2 - SCA"}], or {"AUTHENTICATION_NAME": "JCA - EMV 3DS MANDATE"}].
Integration Purpose: Enables intelligent 3DS routing, allowing systems to predict mandatory challenge flows versus exemption scenarios.

How It Works & Example Usage

See how authentication requirement flags optimize compliance and conversion rates:

Example 1 (EU PSD2 SCA Mandate):
BIN Record: 415274;...;[{"AUTHENTICATION_NAME": "EU PSD2 - SCA"}]
Action: Checkout forces appropriate Strong Customer Authentication workflows for European economic area compliance.
Example 2 (EMV 3DS Mandate):
BIN Record: 526260;...;{"AUTHENTICATION_NAME": "JCA - EMV 3DS MANDATE"}
Action: Gateway structures transaction requests to fulfill network-specific 3DS security requirements.
Example 3 (Standard / Non-Mandated):
BIN Record: 440771;...;[blank]
Action: Standard authorization routing without hard regulatory authentication overhead.

Why Authentication Data Matters for Your Clients

  • Payment Gateways & PSPs: Automates friction decisions, minimizing cart abandonment while complying strictly with regional mandates.
  • E-commerce Merchants: Avoids costly issuer declines and liability shifts by correctly triggering 3DS where required.
  • Conversion Rate Optimization: Prevents unnecessary friction on cards that do not require mandatory SCA challenges.

Database Support and Availability

Support for Authentication and regulatory mandate mapping is available as an optional add-on for custom database builds.

Feature Capability
Parameter Name AUTHENTICATION (Visa & Mastercard)
Possible Values [blank], JSON objects containing PSD2 SCA or EMV 3DS mandates.
Integration Format Additional structured column in CSV/JSON custom database exports.

This data is available at additional cost of $2900 (one-time).

For technical inquiries regarding Authentication data mapping:

Contact Engineering Support