PSD2 sets new requirements for payment transactions in Europe (from 14 September 2019). Purchases where the buyer's issuing bank is located in the EU (excluding the UK) are subject to the SCA with 3DS2.0. You must meet the authentication requirements for the issuing bank to purchase tickets.

NOTE: The PSD2 deadline has been extended for some countries, such as the UK. For those countries, transactions cannot be influenced at this time.

Information for Workero users
1. General information.
• PSD2 - Payment Services Directive II is a legal act of the European Union that sets new requirements for the security of online payments. According to this directive, additional authentication is required and banks must refuse transactions that do not meet the SCA criteria. More information about PSD2

• SCA - Strong Customer Authentication is the new legal requirement to integrate additional authentication into the purchasing process. There is strong customer authentication if at least 2 of the following factors apply: something the buyer KNOWS, something the customer HAS and something the customer IS (eg a PIN is something a buyer knows and a telephone is) something a buyer has).

• 3DS / 3DS1.0 / 3DS Standard - 3D Secure offers additional security to reduce the chance of unauthorized transactions. You may know it under brand names such as 'Secure', 'SafeKey' and 'Identity Check' for credit card providers such as Visa, American Express and MasterCard.

• 3DS2.0 - 3D Secure 2.0 introduces new data requirements for 3DS that reduce problems, optimize for mobile and match authentication methods to the buyer (depending on the issuing bank. 3DS2.0 offers further protection for online payments to reduce the chance of unauthorized transactions .

2. Effective Date.
PSD2 will take effect on September 14, 2019.

3. Impact on office / co-working reservations
Purchases where the buyer's issuing bank is located in the EU (minus countries with delays) are subject to the SCA with 3DS2.0. You must meet the authentication requirements for the issuing bank to purchase tickets.

The authentication process is determined by the issuing bank and not by Workero.

4. Exceptions.
PSD2 sets new requirements for payment transactions in Europe (from 14 September 2019). You must meet the authentication requirements for the issuing bank to complete an office booking.

Payment transactions that total less than € 30 (or the equivalent in your currency) may not be subject to 3DS2.0 authentication. This is determined by the issuing bank and not by Workero.