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PSD2 Glossary

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Term

Description

3DS

3 Domain Secure (generally just called 3D Secure)

3DS challenge

The issuing bank has determined the customer must be redirected for further authentication

Directory Service

Payment Network supported service for BIN lookup of 3DS support at each issuing bank

EEA

European Economic Area (basically, Euro countries.  Does not include UK.)

EMVco

A joint venture overseen by the six major card associations: American Express, Discover, JCB, Mastercard, UnionPay and Visa 

Exemptions

Qualifications or data that the merchant can share with the issuer in hopes of avoiding a 3DS challenge for that transaction

PSD2

Payment Services Directive 2nd generation (A mandate from the Payment Card Industry)

SCA

Strong Card Authentication