All businesses within the EEA (European Economic Area) are mandated to use 3-D Secure when processing e-commerce transactions, as part of the PSD2 mandate. In addition, ECOM (e-Commerce) Maestro transactions already require the implementation of 3-D Secure in order to be processed successfully. Exemptions apply for MOTO (Mail or Telephone Order) transactions and/or MIT (Merchant Initiated Transactions), for which 3-D Secure cannot be performed.
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