3DS 2.0 is a new security standard trying to prevent credit frauds and making it easier to authenticate the credit card user.

3D Secure is an old thing, actually. It was first introduced in 2001 already. This new version, 3D Secure 2.0, will be in use all over Europe from 14th September 2019 onwards – at least that's the plan. At the time of writing (the beginning of September 2019) it's still quite unclear how widely online stores, banks, and payment operators are ready for this.

So how will it affect payments in ResQ? To be completely honest with you, we're not 100% sure. It might force you to make a "strong authentication", which most likely means that you need to use your online bank credentials for authentication or provide a single use password to complete a purchase. It might cause some delay in the payment process. According to some estimates, authentication is required if the purchase costs more than 30 euros, or if you make 5 consecutive small purchases. Authentication is not required when making a purchase with ResQ credits or Apple Pay.

If you notice any issues while making purchases in ResQ, please let us know via chat from the app. That way we can instantly try to solve it! Both our technical team and customer support will monitor closely the payment processing and possible new authentication requirements during the next weeks.

Sorry for any possible inconvenience this might cause you.

If you're interested in reading additional information about 3DS2, we recommend this article: https://stripe.com/en-fi/guides/3d-secure-2

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