3D Secure v2 Payments Failing Randomly
1st September, 2021The Payment Services Directive 2 (PSD2) is a piece of EU and UK legislation that, among other things, mandates the use of a security protocol such as 3D Secure. 3D Secure until this point has been optional, but now it will be required for all online transactions. As well as now becoming mandatory, the protocol has been completely revised into version 2.
Upon adding 3D Secure v2 capability to my direct integration with Opayo (and upgrading from VPS Protocol v3 to v4, as is required), I found that certain customer transactions were being rejected by their bank, despite the majority going through successfully. No error message is given, just a failure response, and the session data threeDSSessionData field being blank.