PSD2 is an EU directive for the regulation of payment services and payment service providers. It applies to payments in EU / European Economic Area (EEA) currencies between payment service providers located in the EU/EEA. It also applies to payments in non-EU/EEA currencies (e.g. US dollars or British pounds) and if a payment service provider is located outside the EU/EEA (e.g. Switzerland or USA).
In order to achieve these targets, the regulation introduces a number of key innovations:
To meet the requirements of PSD2, there is a new version of 3D Secure for processing credit card payments - called Verified by Visa or MasterCard Identity Check for card networks, for example.
heidelpay has integrated the future service in such a way that technically no difference to the current 3D Secure can be determined.
If you use a module from heidelpay, you are basically well prepared. However, we recommend the following for safety reasons:
If you do not use an iFrame but integrate as follows:
we recommend an integration of our iFrame (hPF = heidelpay Payment Frame). Further information can be found here:
heidelpay Developer Guide Chapter 5
If you use a direct integration and do not yet use 3D Secure, we recommend that you test on our test system whether the current integration already works with 3D Secure.
If you use referenced bookings that refer to an initial registration (REG) (this is the case with subscription models, but also with recognition in the shop), then use the following integration for referencing POST requests:
In future, more information will be passed on to card issuers via the interfaces. However, this information is already mandatory in our interfaces, so that you will not have to worry about any additional effort here.