When the IPR Meets PSD3: The Perfect Storm

Authentication Considerations for European PSPs

Regulatory change is accelerating across Europe’s payment landscape, and the implications for authentication are hard to ignore. With PSD3 increasing liability for a wider range of fraud and the IPR demanding instant transactions in under 10 seconds, PSPs face the challenge of delivering both speed and security without compromise. This whitepaper explores how these regulations intersect, and what it means for the way payments are authenticated.
Inside, you’ll discover:
  • Timelines for PSD3, PSR1, and IPR adoption and compliance.
  • Clear comparisons between PSD2 and PSD3 requirements.
  • Strengths and weaknesses of key authentication factors.
  • Risks of relying on phishable or slow methods.
  • Recommended strategies for meeting both security and user experience demands.