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How do subscriptions affect 3-D Secure?

 

While the initial payment should be authenticated with 3-D Secure in order to meet PSD2, 3-D Secure cannot be utilized for scheduled payments that are automatically processed by the subscription engine, because the customer would not be present to enter their credentials at the time the payments are processed.

For this reason, subscription payments that have an initial authorisation that was processed with 3-D Secure may not be covered by the liability shift. Please contact your acquiring bank for clarification.