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developer-guides

  • SCA vs 3DS2: What PSD2 Actually Requires You to Build

    SCA is the PSD2 mandate; 3DS2 is the protocol that satisfies it. Here’s the exact exemption math, what a compliant integration has to send, and what PSD3 changes.

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  • Payment card network: how it works & why routing matters

    A payment card network like Visa or Mastercard sits between the issuing bank and the acquiring bank, setting the rules and moving authorization messages between them. This guide explains the four-party model, how network fees differ from interchange, and why network-level routing decisions affect authorization rates.

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  • 3DS2 Hosted Solution: Buy vs. Build for Multi-PSP Stacks

    A hosted 3DS2 solution means a third party runs the 3DS Server that initiates authentication requests, not the ACS and not your vault. Here’s what that boundary means for a team routing across multiple PSPs, and the integration path to get there.

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