3D Secure payment upgrade delayed until 2021


Fintech News

3D Secure payment upgrade delayed until 2021

Leeds, 14th August 2019: As a Nochex merchant you will know that all the payments you receive via our service are protected by 3D Secure payment (3DS) authentication. 3D secure payment is a set of rules laid down by the card schemes, Visa and MasterCard, to protect merchants and consumers from online fraud.

You might also be aware that 3DS was due to be upgraded. The improvement – known variously as Strong Customer Authentication (SCA), 3DSecure2, and the Second Payment Services Directive (PSD2) – was due to come into force in the UK on 14 September 2019.

However, due to a lack of readiness among retailers, banks, consumers and regulators, the deadline has been put back until February 2021. In the UK the Financial Conduct Authority (FCA) is responsible for the smooth running of SCA.

Nochex users unaffected

Commenting on the delay, Robert Millington, Head of Risk & Supervision at Nochex said “The FCA has been working with the industry to make it harder for fraudsters to operate. We believe that these measures will reduce fraud, but the FCA want to make sure they don’t cause disruption to consumers.”

Like 3D secure payment users of Nochex will be largely unaffected by the introduction of SCA. Due to the distinct way the service works, all the changes needed can be done within the Nochex platform.

“One of the main reasons SCA has been delayed is because of the amount of work that online merchants need to do to upgrade their systems”, says Millington. “Uniquely, Nochex can make these changes without any input from merchants – saving them time and money – while still letting them benefit from the new security features. When the FCA is ready to implement SCA, we will be ready too”.

Learn more about 3D secure payment

3D Secure payment is a standard developed by the card schemes Visa and MasterCard to improve the security of Internet payments. Read more about how 3D secure for safer payments can secure your payments here.

fintech newsletter from nochex online payments

Why should you sign-up to our fintech news?

It’s quite simple; we provide bite-size industry related information, every so often. We never spam, our emails are often sent on a quarterly basis. Furthermore, we pride ourselves on relating to small businesses. So if you need some extra tips, or ways on growing your business, then our fintech newsletter is perfect for you!

Finally, we know it can be hard to wade through heaps of information to find what’s relevant to your business. So we do that for you! Each quarter, we round up the most relevant industry info, translate the jargon, and supply it to you in an easy to understand format.

Aside from news…what else do we have for you?


Exclusive offers

Nochex has had partners for more than 20 years, so we often get access to some great deals. We want to share the love with our merchants and customers, exclusively through our newsletter. For example, we have a great website & shopping cart deal through EKM payment options. 

Sales & Marketing Advice

We’ve seen a lot of business grow through Nochex. Some now process millions each year. As a result, we know what it takes to create a beautiful ecommerce website, as well as one that converts users into customers!

Events & Conferences

Not strictly payment related, but mostly. We’ll show you where we’ll be in the upcoming weeks & months, as well as some of the interesting opportunities that you might be interested in attending.

Nochex Updates

Of course, we all love talking about ourselves. Our newsletter will give you the first look at some of the innovative tools and features we are creating. This includes API updates, new ways of getting paid, account updates, and, of course, the latest on 3D secure payment.


Got a suggestion, or want to be featured? We’re always on the lookout for any interesting articles, ideas or businesses. To be feature in our fintech newsletter, please contact us using the details below.


0113 819 7214

Not sure what you need? Get in touch.

This website uses cookies to ensure you get the best experience on your website. More Info.