PSD2: Program Overview and FAQs
- 1 Overview
- 2 FAQs
- 2.1 For Travelers
- 2.1.1 Q. What to do between now and March 1, 2021?
- 2.1.2 Q. What can I expect?
- 2.1.3 Q. What if my transaction is declined?
- 2.1.4 Q: What do I do as a delegate?
- 2.1.5 Q: Will there be additional content providers affected by this regulation?
- 2.1.6 Q: Can I opt-out?
- 2.1.7 Q: Are there any cards that are exempt?
- 2.1.8 Q: Can I trust the merchant bank security questions window?
- 2.1.9 Q: What happens if I answer the security questions incorrectly?
- 2.1 For Travelers
Overview
To meet European Economic Area (EU/EEA) Revised Payment Services Directive (PSD2) requirements for Strong Customer Authentication (SCA), Deem will implement additional payment security checks, for travelers using a credit card provided by an EU merchant bank. Travelfusion will implement these measures, starting March 2021.
Travelers who book trips through Travelfusion, using a credit card belonging to an EU merchant bank, will see a new pop-up window with security questions from their merchant bank.
How it will work:
Select Trip Options, and continue to Purchase page
Click the Purchase button
A secure merchant/bank window will pop-up with security questions
Once questions are answered, the merchant bank will send Deem a token
Deem will send that token to content provider
Once security measures are met, the booking is complete.
FAQs
For Travelers
Q. What to do between now and March 1, 2021?
A. Beginning January 1, 2021, an interim solution will be in place that will be accepted at the discretion of each providers’ merchant bank. If your booking is declined, please contact your travel agent.
Q. What can I expect?
A. For travelers with EU bank issued credit cards booking travel within the EU, additional security measures may be necessary to meet the PSD2 regulations. This additional security would be met in the form of a pop-up window from the merchant bank asking for additional authentication information, which will need to be answered by the credit card holder. In most cases, this will be sufficient to complete the transaction; however, if there are any issues with the authentication process through Deem, the traveler would need to contact their travel agent directly in order to complete their booking.
Q. What if my transaction is declined?
A. Contact your travel agent to complete your booking.
Q: What do I do as a delegate?
A. Book as usual. If a security pop-up appears, you can do the following:
Contact your travel agent to complete booking.
Have your traveler book on their own.
Q: Will there be additional content providers affected by this regulation?
A. Yes, all content providers using merchant banks in the EU will be affected by this regulation. Deem is working with these providers to implement a long term solution.
Q: Can I opt-out?
A. No, this is a required EU/EEA PSD2 security check.
Q: Are there any cards that are exempt?
A. Virtual cards, corporate cards, and cards not issued by an EU merchant bank are exempt.
Q: Can I trust the merchant bank security questions window?
A. When you use the Deem site to book your travel, the security pop-up is secure and expected. However, be cautious of these security pop-ups on third party sites.
Q: What happens if I answer the security questions incorrectly?
A. Follow the instructions on the pop-up to reset your security questions.