14 AUGUST, 2019
On 1 September 2019, Visa will introduce a new fee on transactions authenticated through the security protocol 3D Secure (Verified by Visa). The new fee of EUR 0.02 per authentication request will apply to both authentications done with 3D Secure 1.0 and 2.0.
The fee, called an Acquirer Authentication Request fee, is introduced in anticipation of the new PSD2 rules on Strong Customer Authentication that will take effect on 14 September. The new SCA rule will mean that nearly all online card transactions in Europe will have to be authenticated through 3D Secure.
Since the Acquirer Authentication Request fee is a fixed amount for every authentication request it will only be charged once for subscription payments and will have a higher impact on business with a lower average transaction value (ATV), as seen in the example below: