COVID-19 Update

We have been closely monitoring the evolution of the novel coronavirus (COVID-19) outbreak and I would like to reassure our employees, customers, partners and families that your health and safety remain our top priority. We are committed to our global teams and the communities in which we serve.

We continue to be proactive and responsive, ensuring the business continuity measures we set out in previous communications remain intact. This means the redundancy of our people, processes and systems. It includes increased sanitization measures, restricting employee travel and thoughtfully expanding our work-from-home policy, in all our offices worldwide, to encourage social distancing. Throughout this process, we remain fully connected and are ready to do business. We’re prepared to take this challenge and respond to any uncertainty faced by our valued clients.

Our leadership and teams are working relentlessly to meet your needs. I encourage everyone to be vigilant, thoughtful and empathetic during these unique times. We will get through this, together.


Philip Fayer

Chairman and CEO



Don’t Stay Behind: Fast Pay-outs in Insurance Technology

Payment technology today is about more than making and accepting payments with credit and debit cards. Today’s technology allows for consumers and businesses alike to send fast payments out, saving you time and money in the process. For insurance companies, the ability to distribute instant pay-outs on claims can be a game-changer. Your customers will appreciate it, and your business will run more smoothly.

Setoo’s Fast Payment Experience

Setoo is an insurance-as-a-service provider that has adopted fast payment service for its claims. Once it approves payment on a claim, it sends payment through Visa Direct to provide its claimants with instant access to the pay-out funds. Instead of going through the usual, antiquated process of approving, issuing, and sending a cheque, Setoo cuts through and delivers.

In addition to running more efficiently, this process delivers higher security. The electronic authorisation and delivery remove steps at which errors or theft can occur and maintains the security standards that Visa demands of its clients. The result is a service offering that sets Setoo apart from others trying to catch up in the industry.

A Better Customer Experience

Some of the benefits for customers and claimants are obvious. A faster process cuts out days or more from the time they would usually have to wait to receive funds. They don’t have to watch the mail for a cheque or call to ask when it will come; it just arrives as a credit to their card or account.

The claims process has always been about more than money, though. When someone files a claim, it comes after an accident, a disaster, or a loss of some kind. They are fighting not only a financial problem but often an emotional one, too. A fast payment process that delivers funds more quickly saves your claimants much of the frustration that they typically have with their insurance companies. Giving them a positive, less painful claims experience goes a long way toward helping them move forward.

Benefits for Insurers

Happy claimants benefit you as an insurer. In an industry much maligned for reasons that are sometimes fair and sometimes not, using fast payment technology can help you stand out in a positive way. Delivering swift claims payments gives you a chance to retain more of your current customers and gain new ones along the way.

Beyond this, fast payment technology creates instant cost savings for you. It streamlines your claims payment process to cut out steps and administrative costs. It removes opportunities for fraud and loss in your process as well, with a single, secure transaction cutting risk out of every claim payment you make.

Setoo, as an early adopter of fast payment technology, is already reaping the benefits. Getting ahead of the curve for your insurance business can help you push ahead of the pack.

About the author:
Raphael Tetro, SVP Merchant Services, SafeCharge, a Nuvei company
In his role as SVP Merchant Services at SafeCharge, Raphael drives the company’s rapid expansion into new verticals and territories. Drawing from his years of extensive experience in the payments and fintech industries, Raphael is a pro at supporting merchants from a broad range of verticals, assisting them to optimise their payment strategies. He has a proven track record of expanding the digital business scope of numerous medium and large sized companies through a solutions based approach.
Raphael holds a degree from the Lauder Business School in Vienna and had graduated with honours.


How COVID-19 Is Impacting
E-Commerce Today

The coronavirus is affecting many industries, with some experiencing dramatic falls in demand, while others reap record sales. Consumers are increasingly shifting toward online retail as more and people are set to undergo self-isolation over the coming weeks and months. Even those severely affected are pivoting to provide services online to eliminate the need for face-to-face contact.

While it’s true the short-term economic impact may lead to a global recession; it’s important to stress that the ill effects are likely to be short-lived.1 Those with an existing or new e-commerce presence will be best placed to see less of an impact, and may even exhibit phenomenal growth during this period.

People will be staying at home either forcibly or voluntarily over the next few months, so the need for online merchants to provide food, entertainment, hygiene, and home products is going to be greater than ever. With that in mind, what steps can online merchants take to fulfil the demand and continue to thrive?

Pivot to Include Inventory of In-Demand Items

A beneficial strategy is for online retailers to increase supplies of products that are going to be in high demand over the coming weeks and months. Non-perishable food is going to be one of the most popular products worldwide over the coming weeks as many individuals look to self-isolate for up to 14 days at a time.

Following closely behind food will be hygiene products that can help prevent the spread of the disease. Face masks, gloves, bottles of hand sanitiser, surgical gowns, and goggles are all already sold out in many countries. If you’re in an industry where these products fit your existing product line up (and you can reliably source them), these products should sell in ever-increasing amounts as demand continues to soar.

However, while food and hygiene products are going to be the most popular items in the case of any virus outbreak, that doesn’t mean that there aren’t other prospects for online merchants in different verticals.

Boredom is going to be a real issue for both adults and children alike while being trapped indoors. Therefore, the demand for entertainment products is going to soar in response to people attempting to keep themselves amused while in isolation. Gaming companies can ramp up production and pivot to make a range of products that can be bought and downloaded online.

As mentioned, then there’s the opportunity for companies who traditionally do a large portion of business in face-to-face settings to move their offerings online. Financial providers can run their application and approval processes online, and insurance companies can do the same for their offerings. The onset of the virus may present an opportunity for innovation, as opposed to despair.

Cross-Promote, Bundle, and Offer Discounts on Popular Items

For online merchants looking to increase conversions, special promotions on these products can help to get them “flying off the shelves”. As mentioned, gaming products are going to be in high demand, so why not add discounts for bulk orders? You could even cross-promote them on each respective product page to drive up sales (e.g. two driving games that would go well together).

Bundling is another way for e-commerce sites to increase revenue during the epidemic. Start by monitoring sales traffic, then select two or more popular items to bundle together at a discounted price.

For instance, if you sell digital products such as online courses, can you bundle them all together and offer them at a discount? By presenting many items grouped as “one product”, online retailers can provide shoppers with excellent value while driving up Average Purchase Values (APVs).

If you’re an online merchant, the idea of jacking up the prices on items in high demand is tempting, but price gouging is a practice that should be avoided at all costs. Here’s why.

Avoid Price Gouging Your Customers

In crisis conditions, there are always going to be those companies who look to take advantage of unprecedented demand levels for specific products by increasing the prices attached to them. However, this practice (known as price gouging) can not only cost you sales; it can also land you in trouble with the authorities.

Many countries and local authorities have enacted emergency legislation to clamp down on retailers charging artificially high prices for necessary products.2 While this should undoubtedly act as a deterrent, a more significant threat may come in the form of the court of public opinion.

Customers have a long memory, and if you turn around to increase prices when your loyal customers need you the most, the relationship may become irreparably damaged. Furthermore, price gouging retailers are being named and shamed online by both official authorities and by consumers taking to social media.3 The negative publicity associated with this practice renders it unworthy of the risks.

E-commerce stores with dynamic pricing algorithms will need to tweak rules to allow prices to remain static during periods of high demand to avoid becoming an inadvertent part of the problem.

Step Up Credit Card and eWallet Processing Capabilities

Up to a fifth of all workers could be off sick at any one time during the height of the outbreak, severely impacting the ability of some employees to earn their usual wage values.4 Even those that do not fall ill may suffer as a result of a temporary closure of their workplace, leaving them unable to earn anything.

Combined with an inability to visit bank branches in quarantined areas, customers will increasingly utilise credit lines to spread payments out over a more extended period while their earnings are low.

Therefore, as an online merchant, you will need to make sure more flexible payment methods such as credit cards and alternative payment methods are appropriately catered for on your checkout page. This is especially true for online stores based in countries where other payment methods are traditionally much more accessible.

Make Alterations to Anti-Fraud Tools

Declined transactions are a problem for online merchants at any time, but they will hurt even more at a time when you should be taking record sales numbers. While anti-fraud technology has made huge strides over recent years, the types of unusual purchases made at a time of crisis will result in the decline of many genuine transactions.

For instance, a $200 purchase of several in-app gaming upgrades made by a brand new customer is more likely to be flagged or declined based on its abnormality. Online merchants will have to alter the rules on their fraud detection software (if they can) to prevent the decline of genuine transactions.

With so many scams circulating in this current state of uncertainty, many banks and acquirers may be looking to tighten up payment security, so it’s crucial to keep open lines of communication to keep conversions high.

Prepare Your Online Store for COVID-19

If you’re an e-commerce operation, or you can shift large proportions of your business infrastructure online, the recent coronavirus outbreak presents you with an opportunity offer your customer still a service using digital channels to individuals who look to self-isolate and protect themselves. However, it’s not all smooth sailing, you may face issues when trying to secure supplies of in-demand products, and you could face legal action and negative publicity if you give in to the temptation of increasing prices to reflect demand.

Additionally, even those who do want to buy from your online store may not be able to thanks to a lack of flexible payment options or tight fraud controls, which could prevent anomalous transactions from being authorised by card issuers or acquirers.

By integrating a checkout page provided by a payment partner with a proven track record like SafeCharge, not only will your e-commerce store gain access to up to 450 payment methods, but you will also benefit from a highly-customisable anti-fraud rules engine. With artificially intelligent algorithms implementing new rules during this period, the likelihood of an emergency high-value payments being approved will increase, driving up sales as a result.

Better still, by choosing SafeCharge as your payments partner, you can rest assured you will have high uptime and robust Business Continuity Planning (BCP) protocols should the outbreak extend to temporarily-catastrophic levels. These measures will help to ensure your business can continue to operate throughout even the most challenging of periods.

SafeCharge online payment specialists are available to answer your questions and discuss how to improve your businesses payments operations during this turbulent time. You can write to us at, and we will swiftly respond.

About the author:
Erik Diepering, VP Retail Europe, SafeCharge, a Nuvei company
“I thrive in situations where there’s an opportunity to improve or grow something and to impact change. Impact as a result and discovering a way to drive positive change fuels my energy.”
Erik, a Dutch native, leads SafeCharge’s retail directions across the European continent. He has 20 years of professional experience at scale-ups, blue-chip and tech companies related to eCommerce, payments, fraud management, marketplaces and mobility.



FAQ: UK CREDIT CARD BAN ON GAMBLING SafeCharge is ready, are you?


The UK gambling commission has announced a ban on the use of consumer credit cards to pay for gambling-related activities within Great Britain. The ban, which will come into effect on 14 April 2020, follows the commission’s review of online gambling and the government’s review of social responsibility measures.

This new measure will apply to both online and offline gambling products (excluding local and national lotteries).

SafeCharge is prepared to support our merchants through this new regulation and help keep their businesses compliant, while maintaining high conversions.

What will be the impact on operators due to the credit card ban by the UKCG?

The impact will be directly related to the operator’s quantity/volume of credit card deposit traffic.

How will SafeCharge block the credit cards?

SafeCharge can block credit card transactions on all levels: Hosted payment page (Cashier), REST API, Gateway and Risk level.

All of SafeCharge’s blocking solutions allow merchants to define which type of block they would like to set based on the following parameters:

  • by user country
  • by card issuer country
  • by transaction type: deposit/withdrawal
  • by credit card solution (e.g. Apple Pay)

SafeCharge Cashier

  • We will prevent users from entering credit card information into our Cashier. The system will display a validation error upon entering credit card details, accompanied by the following message: “Credit cards are not allowed on this site. Please use a different card type”.

Rest API

  • For merchants using SafeCharge’s REST API, SafeCharge will display the card type (Credit / Debit) and card issuer country in SafeCharge’s DMN to enable merchants to perform actions on their side.
    • Any merchant using tokenization by the “cardTokenization” API method, will be able to glean the necessary information by evaluating the “cardTokenization” response. New fields will show if this is a debit or a credit card, complete with issuer bank information.
    • In addition, card registration by “Authorization Zero” will respond with the card type (debit/credit), as well as with issuer bank information.
    • For existing cards, the “getUserUPOs” API method, will also respond with issuer bank information, in addition to details regarding the pre-existing card type.


  • We can block credit cards on the SafeCharge Gateway – prior to processing a transaction, the Gateway will perform a check, and if a merchant is set up to block credit card transactions from a specific jurisdiction, these transactions will be blocked.

Risk level

  • SafeCharge will set up risk filters to:
    • Block credit cards by user country
    • Block credit cards by card issuer country
    • Blocking credit cards by transaction type: deposit
    • Block credit cards for both new and existing cards
    • Block credit card solutions that support Apple Pay

What about Apple Pay?

  • Our solution includes information about whether the player has previously used debit or credit cards in their Apple Pay transaction list within the “token.paymentMethod.type” field, which is returned to the merchant along with the payment token.
  • Apple Pay transactions that are initiated from a credit card (in the case that the merchant is configured to block credit cards in a specific jurisdiction) will be blocked on SafeCharge’s Cashier and Gateway. Merchants can also restrict credit cards on the Apple Pay side by setting the right flags in the “merchantCapabilites” field on the Apple Pay API.

How this will be handled for alternative payment methods such as PayPal, Skrill and Neteller?

  • SafeCharge is working closely with our payment partners.
    • PayPal will block credit card transactions on their side (we expect to receive the full solution shortly, but they confirmed that no additional effort will be required from the merchants).
    • Neteller will block credit cards transactions on their side (we expect to receive the full solution shortly, but they confirmed that no additional effort will be required from the merchants).
    • Skrill will block credit card transactions on their side (we expect to receive the full solution shortly, but they confirmed that no additional effort will be required from the merchants).

What about new credit cards issued? How often SafeCharge update its BIN list to take into consideration these new cards?

  • SafeCharge’s BIN list is updated daily, based on Visa and Mastercard records.
  • Any new credit card issued will be recognised within our system.

Can operators accept credit cards from outside the UK? If a player is registered outside of the UK can their UK credit card be accepted?

Yes, operators may accept credit cards from outside the UK as well as those from players registered outside of the UK.

As our clients’ success is our first priority, we’ve expedited the development of our solution and several operators have already begun to successfully block credit card transactions within the UK.

If you are a SafeCharge client, please reach out to your customer success manager to discuss your requirements, and to define which type of blocks you would like to be have set.

If you are a UK operator and would like guidance surrounding the new legislation, we are offering free consultations. Please complete the short form below and our iGaming team will be in contact shortly.

To schedule your complimentary consultation please complete the form below:

By clicking "Send", you consent to the collection and use of your information for purposes related to your request. In particular, you authorise us to contact you at the email address and/or phone number provided to follow up on this request.
For more information on how we manage personal information, please see our privacy policy.


What are the top seven traits that describe today’s best-in-class fashion retailer?

I recently attended IMRG’s Fashion Connect in London and had the opportunity to meet with many of UK’s top fashion retailers. It gave me further insight into the constant pressure among the retailers imposed by the new competition, e-commerce, saturation on the market and constant changes. However, some being more successful than others has a direct link towards their strategy, approach, context, and determination

Here are the top seven characteristics that describe the best-in-class fashion retailer today:

1. Clear vision
The best-in-class fashion retailer has a strong and clear vision that connects its fashion to a target customer group.

2. Evolving process
The evolving process includes experimenting with products, thinking outside of the box and changing the store concepts.

3. Scaling
Expanding the concept that sells means that there should be some adapting included that will suit different geographies.

4. Investing in e-commerce
Allowing the customer an opportunity to shop online requires investing in an e-commerce platform that will be secure, easy to use, reliable and friendly for the consumers.

5. Having a greener approach
The greener strategy and focusing more on sustainable and environment-friendly fashion is a goal that many retails are focusing on. This includes the use of natural fabrics, sustainable manufacturing process, factory environment for the employees, etc.

6. Seamless shopping experience
Both the e-commerce and the in-store shopping experience is among the important characteristics that define one fashion retailer as best-in-class today.

7. Return policy
Offering a return policy to the consumer’s rates highly among the characterizes one top fashion retailer should provide. The reasons for the return of the items might be different, and the entire customer experience is made better while offering the option of return or change.

IMRG recently posted a blog “What does good look like in 21st century fashion retail” in which myself and other retail specialists had contributed our insights, check it out.

Online fashion retailers as well as all e-Commerce merchants are welcome to view our webinar How to Overcome Payment Declines and Drive Higher Approval Rates co-paneled with Visa and hosted by IMRG. The panel of payments experts provided valuable information on how an optimised checkout process affects conversion, how PSD2 can be a conversion boosting opportunity and how Visa helps online merchants to convert more. The panelists discussed how to overcome payment declines and best practices to help drive higher approval rates as much as 15%.

View the key facts about conversion boosters that every merchant should know.

About the author:
James Perrett, VP Retail, SafeCharge, a Nuvei company
James Perrett is an experienced finance executive with a proven track record developing and delivering on payment strategies for some of the world’s most recognisable retail brands.
Passionate about commerce, payments and customer experience, James heads up retail for SafeCharge, a Nuvei company, and a member of the IMRG Taskforce.


Boosting conversions in online payments: Key facts that every merchant should know

Online payment conversion rates deserve the attention of every business owner. Every year, sales totalling over 100 billion are lost thanks to an online payment approval rate of just 85%. Consequently, if your website isn’t yet optimised for quick and seamless online payments, you’re probably missing out on a sizeable chunk of additional revenue.

Challenging-to-locate shopping carts, untrustworthy checkout pages, and reduced connectivity with local banking networks are just a few of the issues preventing businesses from increasing their online payment conversions. With that in mind, what changes can you make to ensure you’re converting as many payments as possible?

SafeCharge and Visa Joint Webinar: How to Overcome Payment Declines and Drive Higher Approval Rates

As part of our efforts to provide retailers with the knowledge and information they need to improve online conversion rates, we conducted an insightful webinar jointly with Visa and IMRG.

In this session, we discussed how to overcome payment declines and best practices to help drive higher approval rates as much as 15%.

Myself and our panel of payments experts shared valuable answers and insights on the following questions:

  • How does an optimised checkout process affect conversion?
  • Is PSD2 a conversion-boosting opportunity?
  • How does Visa optimise conversions?

Take an Overarching View of Your Website

When looking to improve conversions, many entrepreneurs skip straight to the payment page itself. However, there are plenty of opportunities for site-wide improvements that can have a positive effect on online payments.

Build Trust
First of all, trust is one of the biggest stumbling blocks to completed transactions. If a customer doesn’t feel that they can trust your website, they won’t feel comfortable entering their card information at the checkout stage.

One way to build that trust is by installing high-level SSL certificates across your site, especially at the checkout page. The padlock displayed next to the URL indicates to the customer that your website is safe, and therefore, they will feel more at ease with inputting their card details.

Another trust symbol comes in the form of security badges. Norton Security, Google Trusted Store, and McAfee SECURE are all examples of trust seals that can have a conversion-increasing effect.

Make Call to Actions Prominent
To boost online payment conversions, you need to make sure that the route to the checkout is as painless and frictionless as possible. Call to actions (CTAs) such as “Add to Cart” and “Checkout” should be prevalent throughout each webpage.

Whilst they shouldn’t be obnoxious, they should stand out so that each customer is under no illusion about how to buy items. Ideally, online shoppers should never be more than one click away from starting the checkout process.

It’s a good idea to A/B test your CTAs to understand how the shape, size, and colour of your buttons affect conversion rates. Lighter shades have been proven to increase conversions over darker, harder to see, checkout buttons.

Make Pertinent Information Visible
Customers want to clearly understand the shipping and returns policies of retailers before making a purchase. They need to know how long it will take for a product to arrive, whether any additional import duties are due (if based abroad), and how to return items if unhappy with the quality of the product(s) received.

Upwards of 50% of customers will read a returns policy, so it’s good practice to make it readily available, rather than buried in small print within the footer of a website. Short and unambiguous policies help readers to understand how the process works clearly and aids conversion.

The Checkout Page Is the Most Important Piece of the Puzzle

While implementing the above tips will help with conversion-boosting, the actions you take to improve the checkout experience will have the most significant impact on increasing your successful online payments ratio. Below are steps you can take to increase payment acceptance by making improvements to your payments page.

Use a Branded Checkout
Nothing shakes a would-be consumers confidence more than exiting a website to complete payment. Online retailers often make use of a payment platform to handle transactions to ensure superior functionality and PCI-compliance. However, the experience of landing on an alien payments page will skyrocket abandoned checkouts. Using a hosted payment solution provider that facilitates brand customisation helps customers feel safe when making their purchase.

Frictionless Checkouts
One of the biggest causes of cart abandonment is onerous check out pages. Customers often baulk at the thought of having to provide several time-consuming details and registering for an account. Creating a checkout with as few fields as possible will boost conversion rates. Time is critical to consumers. Therefore, the faster the checkout process is, the higher conversion rates are.

Dynamically Display Local Currency
Customers are less likely to complete payment if they don’t know how much it costs in their home currency. Therefore, it’s wise to use a checkout page that dynamically displays information based on a user’s location. Not only will you increase consumer comprehension, and therefore conversions, but you’ll also abide by local laws.

Accept Regionally-Preferred Payment Methods
Customers who have access to their preferred payment method are the most likely to convert. Despite the ubiquitous nature of credit cards, not all nations use them as their preferred payment method. For example, 65% of Chinese consumers prefer using mobile payment apps such as WeChat and Alipay. Online retailers who don’t offer local payment functionality will suffer lower conversion rates.

Equip Your Checkout with the Latest Fraud Tools
Declined transactions flagged as potentially fraudulent can have a significant impact on payment conversions. That’s why it makes sense to make use of the latest machine-learning anti-fraud tools such as 3DS2 to ensure that no legitimate transactions are declined based on suspected fraud. It also helps to reduce chargeback ratios, as purchases made via 3DS2 are much harder to challenge with card issuers.

Remove the Stumbling Blocks Associated with Local Acquirers
For international retailers, one of the biggest drivers of declined transactions is local acquirer acceptance. It used to be the case that retailers had to build the accepted formatting and correct routing into checkout pages to be approved for each local financial institution. But today this is no longer the case. Online payment pages from leading providers such as SafeCharge are acquirer agnostic, routing payments exactly where they need to be for increased acceptance rates.

Add Cart Recovery Functionality
In some instances, transactions are correctly declined for reasons such as insufficient funds. However, the sale can still be saved by immediately offering to continue the purchase with a different card or payment method. By removing the need to complete the checkout process again, declines can be recovered, boosting conversion rates. 

Partial Approval Functionality
Another feature of decline recovery is partial approval. Leading payment service providers can approve purchases of certain items within a cart before offering the user the option of removing others that exceed the funds remaining within the selected payment method.

Acquire The Ultimate Payment Solution for Your Online Business
There are many steps you can take to increase online payment conversions. Some come in the form of improving critical components of your website. But those improvements pale into insignificance when compared to changes made to payment pages.

Here at SafeCharge, we’ve created a frictionless checkout that provides a superior customer experience while increasing back-end functionality.

With our totally-customisable hosted payments solution, you can take advantage of one-click payments, dynamic locally-displayed information, and industry-leading decline recovery protocols. Better still with 3DS2 compatibility, and an intelligent fraud rules engine, fraudulent transactions are stopped in their tracks, or sent for extra authentications to ensure continued conversion.

Our checkout solutions have been proven to decrease cart abandonment and declined transactions, helping our clients secure an increase in approval rates by an average of 7%-9%.

About the author:
Guy Douek, SVP Business Operations
Guy is responsible for the entire strategic direction as well as commercial and operational management of SafeCharge’s merchants, channels and partnership. Guy has over 10 years’ experience in diverse roles in the various payments functions across both the merchants side as well as a payment provider.
Guy joined SafeCharge from Gett (a global ride hailing company) where he was a Global Head of Payments. Previously he was Head of Risk (alternative payments) at Worldpay.


The Main Payment Challenges of Online Travel Agencies and How to Overcome Them

With spring just around the corner, online travel agencies (OTAs) across the globe will start ramping up their operations to focus of the lucrative summer holiday market. OTAs have been taking advantage of a shift in consumer habits, with holidaymakers increasingly less likely to book on the high street and instead pour hours into sourcing deals online.

By 2023, the global online travel market is set to top a trillion dollars in revenue, underlining the influence of this burgeoning industry on the whole travel sector. This growth has been fueled by growing demand from emerging and developing nations where improved internet penetration has boosted the demand for international travel1.

However, this growth has not come without its challenges. Therefore, OTAs need to develop a coherent payment strategy to mitigate the risks and daily challenges they face.

What is an Online Travel Agency (OTA)?

Online travel agencies, or OTAs, act as an online travel intermediary, allowing customers to book flights, hotels, transfers, package deals, and even travel experiences., Priceline, Expedia, and Trivago are all examples of leading OTAs.

They usually have three distinct different modes of operation, often adopting a hybrid business model of all three to increase the number of revenue streams coming into the business.

The first model is the most traditional, which is booking revenue. Each OTA receives a commission from a travel provider when a customer purchases one of their holidays through their website, either transparently, or privately.

Next, you have the broader category of merchant revenue, whereby the customer pays the OTAs in exchange for a product or service. This revenue stream has two separate elements, the first of which is where an OTA buys a product (a package holiday for example) from a travel provider and then resells it on to the end customer for a profit.

The second method is delivered through a marketplace between travel providers and end consumers. The OTA then receives a direct fee from the consumer or travel provider, or both, for facilitating the deal.

What Are the Main Payment Challenges OTAs Face?

As with any business, there are several payment challenges that OTAs face on a regular basis. However, some are particularly prevalent within the online travel industry.

Payment issues surrounding serving multiple countries simultaneously
Perhaps the issues surrounding localisation of payments is no more apparent than in the case of OTAs. To be successful online, agencies need to operate in as many regional markets as possible. But without the ability to both display and accept local currencies, conversions fall through the floor.

Furthermore, the currency challenge is exacerbated by the fact that different geographical areas prefer different methods of payment. For instance, Asian territories much prefer the use of e-wallets, whereas American consumers prefer to buy their holidays with the built-in protection of credit cards.

The increasing cost of remaining compliant
As the anti-money laundering laws become stricter, and the chances of a data breach rise by the day, the compliance commitments attached to international payments are becoming progressively more demanding for OTAs.

Not only do these companies need to invest in becoming PCI and PSD2-compliant, but they also need to dedicate considerable time and resources into KYC checks to verify their customers. These checks can be cumbersome and time-consuming, which is why they have such a crippling effect on conversions.

Increases cases of fraud
Fraud is gradually eroding the profit margins of online travel brokers, and more than $20 billion in OTA revenue is predicted to be lost during 2020 as a result of fraudulent transactions2.

This online industry is particularly susceptible to chargeback fraud. One major issue associated with the OTA business model is that there is a long time between payment and delivery of the product or service.

Customers are often quick to issue chargebacks if they’ve had a poor experience (such as wrong flight details, poor hotel experience, etc.) rather than request refunds. In many cases this occurs several months after making the booking.

In other instances, fraudsters pay the OTA for a holiday deal to resell to customers before issuing a chargeback on their initial purchase. Account takeover fraud (ATO) is also an issue, with saved payment details providing easy access for criminals to book themselves travel deals fraudulently.

As a result of these activities, acquiring banks are left on the hook for thousands for months at a time, and OTAs suffer in the form of higher processing fees as a result of their increased fraud risk.

How to Resolve OTA-Specific Payment Challenges?

Despite the challenges OTAs face when taking and handling payments online, there are plenty of steps that can be made to mitigate the payment risks associated with the online travel industry.

Increase payment conversions by dynamically displaying local currencies and preferred payment methods
It used to be the case that website developers had to build complicated applications to satisfy the currency, payment, and local acquirer preferences of each region, but this is no longer the case.

OTAs can invest in one-stop checkout solutions that provide dynamic data in over 150 languages and currencies. With providers such as SafeCharge offering over 450 alternative payment methods, there’s very little chance of losing payment due to geographical payment preferences. The ease at which these solutions can be added to existing OTA websites means there’s little reason to not offering several locally-denominated payment options at the checkout.

Minimise compliance risk with by handing off PCI and KYC compliance
Data breaches are a serious threat, and that threat only increases when talking about extremely valuable payments data. Therefore, instead of trying to spend significant resources on developing your own PCI-compliant payments page, it makes sense to hand over the responsibility to a trusted third-party provider.

Most reputable payment gateways offer APIs that give websites full control of the UX of the webpages, but hands over the PCI-compliance to the payment services provider. Better still, you can reap the advantages of their tokenisation technology to reduce the risk of a breach.

Lastly, KYC checks no longer have to be burdensome, with seamless software solutions providing the answer to compliance with anti-money-laundering laws and providing better protection against fraud.

Use artificially intelligent tools to beat fraud
The threat of fraud isn’t going to go away anytime soon, but the technology designed to combat it is continuously evolving and improving. For example, by making use of the latest SafeCharge’s 3DS2-compliant software, OTAs can intelligently set over 200 customizable rules for accepting transactions.

With machine learning, algorithms can spot newly-developed fraud patterns, blocking them in real-time and reducing the number of false positives. Better still, SafeCharge’s fraud prevention features are acquirer agnostic, leading to higher approval rates.

Lastly, with superior reporting, detailed user data, and partnerships to all of the biggest card schemes, the very best payment services providers give you all of the data you need to overcome chargebacks.

Learn How to Overcome OTA Payment Challenges From our Experts
The payments world is ever-changing. OTAs of all sizes need to stay on top of the latest trends to maintain profitability in what is an extremely competitive market. That’s why the leading members of our travel team, including myself, are always available to discuss your business challenges and the best solutions to resolve them.

About the author:
Jay Abbot, VP Travel, SafeCharge, a Nuvei company
I’m a New Zealand native and live in The Netherlands for close to 17 years now together with my better-half Aynur Abbott and our 10-year-old son Tané Abbott. I tend to be a bit of a serial reader (mostly non-fiction) and I enjoy writing, music, study, traveling, food, and hanging out in cafes drinking black coffee. Running has been a constant for me over the past 12 years, and I’ve recently included swimming and cycling into the mix. ‘Considering’ a half-triathlon later this year – no promises yet though… Work-wise I have experience in the fields of global travel and retail, marketing technology, payments and finance, and cyber security. My dream job as a kid; Rugby sports commentator (NZ’s All Blacks of course).  



How to Retain your Paid Subscribers and Attract More

Move over, product economy. There's a new star in town. Businesses are increasingly moving to the subscription model, where the defining philosophy is 'customer-first.'

Recurring and subscription billing is a predominantly successful business model and increasingly popular, evidenced by the exploding success of the large brand retailers who have adopted the model.

Although lucrative for businesses, consumers do not have the same affinity for subscriptions. On the contrary, in most cases it's a hassle to subscribe and renew and remember an increasingly long list of subscriptions. However, they do want a great end-to-end experience and are willing to subscribe when the automated purchasing gives them tangible benefits, cost savings, convenience and are provided with an easy checkout including a variety of payment options.

Changing trends – the subscription model is the way forward

B2C subscription businesses are attracting more customers each year. Overall the growth has been almost 200% annually since 2011, mainly due to new start-ups. So, why are businesses taking the subscription path?

  • Better revenue prediction: Businesses can predict cashflow more accurately in a subscription model. And with a steady and guaranteed cashflow, it also results in a better valuation for companies.
  • Increased convenience for customers = better customer relationships: In a subscription model, customers sign up once, and if they're satisfied with the service, might continue with the subscription for months, or possibly years.
  • Ease of operation: Once a customer places a subscription order, the overhead reduces in terms of receiving payments or other administrative efforts in the subsequent cycles. This frees up valuable time and resources that can be utilised on the core business.
  • The sustainability agenda: Customers want the ride, and not necessarily own the car. Delving a little deeper into the subscription model, one less obvious benefit is the contribution to sustainability. Ikea's response to the growing concerns about climate change is an attempt to move towards a subscription rental service, instead of a purely retail service. With growing awareness (especially among the younger generation) about the impact that consumption has on the environment, the subscription model has the potential to address this issue.

Digital content streaming is one of the most successful subscription business areas. Similarly, sports club memberships and grocery, which a user needs to purchase at regular intervals, lend themselves naturally to a subscription model. But, several 'unconventional' services have, with creativity, adopted this new model. Take high-end luxury products for instance. Offering subscription rental options opens a whole new market to brands – customers who might not invest in purchasing a high-end product for thousands of euros would find it attractive to subscribe to a service that allows them to rent these products.

So, what's the secret behind their success?

A 2018 survey by McKinsey & Co. found that more than 30% of customers cancel a subscription within three months of signing up, and more than 50% cancel within six months. Many consumers who churn do so quickly, which suggests that companies should analyse the data and use it to influence future product or solution development.

Why are some subscription services miles ahead of the rest? Successful subscription businesses have done their homework on what their customers expect – not just from their product, but also in their engagement with the business.

The whole experience matters

Customers care about product quality, easy sign-up process, competitive prices, customised experience, accessible customer support, easy cancelation process and more. These are just some of the questions they ask before choosing to sign up to your subscription. The customer experience is just as important as the product or service itself.

Making payments easy

The last step of the process is one of the most crucial – payments. If the customer is unable to pay easily, and with preferred payment methods, no matter how good the product or service is, he will simply abandon the process and look elsewhere. Subscription services differ from regular one-off purchases and need a different approach to payments as well.

  • It is important to take into consideration local payment methods and geographical preferences and availability. An optimal mix of payment methods will contribute immensely to customer retention.
  • Sometimes subscriptions are cancelled without the customer intending to, because of a payment being declined. And this can be an easy problem to address – make sure your payments partner has an account updater feature incorporated into their recurring payment solution. The Visa and Mastercard account updater solutions ensure that even when a customer's card expires, the details are automatically updated without the user having to do anything.
  • A recurring payments solution must have an automatic retry feature integrated, for when a payment fails. Sometimes, declines happen because of technical errors, or simply because the account has insufficient funds, typically in the few days before a user’s salary hits their account.

 Don't lock them in, and they won't leave

A subscription where 'unsubscribing' is a hassle, or an exorbitant deposit is charged, is likely to put the user off. In cases where it is simple for the user to cancel their subscription, unsurprisingly, there is a significantly lower number of cancellations. Simply because of the choice.

Customer Loyalty: 'Make me want to come back'

The trigger for a customer to sign up to a subscription is usually a recommendation, either from friends or social media platforms. But what will truly have them stay loyal, and make it worthwhile for the business, is delivering a rewarding experience. This spans the entire spectrum – from signing up, ease of payment and preferred payment methods, product or service quality, value for money and customising to customer needs. So, for subscription companies it is good to not just think outside 'the box' but throw the box away and bring in a whole new experience. And customers will value the brand they choose.

Do you need a subscription billing system? Do you feel that your existing system is not converting well? Download our Recurring & Subscription Billing brochure or Contact us in order to discuss the best solutions for your business.

Simply enter your name and email below to receive download link:





As the uncertainty around Brexit continues, SafeCharge is working on creating solutions to help our merchants weather the storm. Below you will find answers to all questions that may arise by merchants regarding Brexit.

At the end of this month the United Kingdom will officially leave the European Union with a withdrawal deal, a transition period until the end of 2020, leading up to a full exit from the Union. This long process, known as Brexit, started back in 2016 and will affect many aspects of the British and European economies – trade, security and regulation. Therefore, it raises many questions among merchants operating in both territories.

A high degree of uncertainty surrounds the Brexit process at this stage and many factors will affect its final execution in 2021. In these circumstances, it is important to plan for a variety of scenarios, including one in which the United Kingdom withdraws without any agreement. I’ve gathered some questions that may arise among merchants regarding Brexit and its implications on our industry. Below you will find their answers and how SafeCharge is preparing for it.

Brexit describes the United Kingdom’s withdrawal from the European Union. Gibraltar will also leave the EU. The withdrawal of the United Kingdom from the European Union will have repercussions for citizens, businesses and administrations in the United Kingdom, Gibraltar, the European Union and the European Economic Area (EEA).

The European Union is an economic and political partnership involving 28 European countries. It began after World War Two and was designed to promote economic co-operation between European countries.

It has developed into a single market that allows goods, money, services and people to move throughout the Union with minimal restrictions. The single market was created by removing regulatory, technical, legal, bureaucratic, cultural and protectionist barriers to trade.

A referendum was held on 23rd June 2016. The people of the UK voted to leave the EU by 51.9% to 48.1%.

The UK was originally due to leave the EU on 29th March 2019 but after three extensions and three and a half years after the referendum, there are strong signs it is actually going to happen. The UK will formally leave the EU on 31st  January with a withdrawal deal – and it will then go into a transition period that is scheduled to end on 31st December 2020.

Some of the changes that might result from Brexit include:

  • Changes to the validity of UK – issued licences, certificates and authorisations within the EU and the EEA;
  • New conditions for data transfers;
  • A potential devaluation in sterling;
  • Changes in taxes; and,
  • Changes in the regulation of financial services.

Of particular importance are the changes to the free movement of services. EU rules on ‘passporting’ allow financial services firms, such as SafeCharge that are authorised in the EU (Cyprus) to provide services in other EU states including the UK. This arrangement is almost certain to change. Changes to the rules related to the free movement of services may affect the way that some merchants offer services across borders. They may need to obtain a licence and conduct operations both in the UK and in the remaining 27 member states – to be known as the EU 27.

This is the period of time, between 1st February 2020 and 31st December 2021, designed to allow businesses and others to prepare for new post-Brexit rules.
During this period the UK will effectively remain in the EU’s customs union and single market – but will be outside of its political institutions and there will be no British members of the European Parliament. Free movement of people, goods, services and capital will continue through these months.

The first priority will be to negotiate a free trade deal with the EU. The UK wants as much access as possible for its goods and services to the EU.
But the British government has made clear that the UK must leave the customs union and single market and end the overall jurisdiction of the European Court of Justice. The government has ruled out any form of extension to the transition period.

Time is short. The EU could take weeks to agree a formal negotiating mandate – all the remaining 27 member states and the European Parliament have to be in agreement. That means formal talks might only begin in March.

It is impossible to say with any certainty at this point. While the agreement on the future relationship may be ratified, it will not be legally binding, and substantive negotiations will not commence until after the United Kingdom’s withdrawal.

If no trade deal has been agreed and ratified by the end of the year there would be customs checks and tariffs on goods entering and leaving the UK, long queues at border checks and substantial disruption to the UK’s economy, according to most analysts. Others suggest that the disruption would not be significant.

Ensuring continuity of services for our clients is at the very heart of what we do at SafeCharge. Ensuring that we can continue to offer our services in the United Kingdom, the EU 27 and the EEA after Brexit has been an area of particular focus for the leadership team. At present, EU rules on ‘passporting’ allow some financial services institutions, located in one-member state, to offer their services in the EU/EEA. This arrangement is almost certain to change. There may be an agreement that includes enhanced measures for mutual recognition, but it seems very unlikely that the EU will allow free movement of services without requiring acceptance of freedom of movement for people, capital and goods. If no trade deal has been agreed and approved by the end of the year, then the UK would probably face charges on exports to the EU.

There is a very real risk that the ability of acquirers to offer services across the United Kingdom’s borders will end upon the point of withdrawal, or at the end of any transition period that may come into effect. The European Banking Authority has in the past expressed concerns about the level of preparedness in some parts of the financial system.

To protect against this risk, SafeCharge now has the capability to offer services from within the EU and also from within the UK. This approach avoids the need to provide services across the UK’s borders and insulates our services from the risk of disruption. Our UK based, FCA licensed institution, SafeCharge Financial Services Limited is available to complement the services currently offered through our Cyprus based licensed institution, SafeCharge Limited.

To facilitate an orderly transition in the event of a ‘hard’ or ‘no-deal’ Brexit, SafeCharge has received Transitional Authorisation to participate in the FCA’s ‘Temporary Permissions Regime’. This means that SafeCharge Limited will be able to continue to operate in the UK in the absence of a withdrawal agreement.

It is anticipated that many of our clients will address Brexit in a similar manner and establish an additional presence in either the EU 27 or the UK as required. We are keen to support them in their preparations. We will continue to offer trusted, reliable and flexible payment solutions and meet the challenges and opportunities that arise in partnership with our clients.

There are a lot of uncertainties surrounding what could happen. SafeCharge is preparing for all scenarios to ensure we minimise the impact on our customers. The passporting rules are likely to change though. So if you are operating in the EU and or the UK, get in touch with us to find out how we can support your business post-Brexit.

About the author:
Phil Athertoning, Chief Risk Officer, SafeCharge, a Nuvei company
Phil Atherton is the Chief Risk Officer at SafeCharge. Prior to joining SafeCharge, he served in various senior managerial positions in the card and payments industry at leading payments companies, Worldpay and Barclaycard. Phil’s extensive experience in card payments, risk management and regulation compliance has enabled him to build and manage teams, deliver significant incremental value through effective contract negotiation, provide tight control of compliance frameworks, execute revenue building strategies and have an in-depth understanding of the regulatory environment.



The changes brought on by 3DS2 and PSD2 protocol have left businesses with many unanswered questions. Our team has researched the top questions asked by merchants and answered them.

What are 3DS, PSD2 and SCA?Watch our webinar “PSD2 – What merchants need to know” – a joint webinar by SafeCharge, a Nunei company and VisaHow is 3DS2 different from 3DS1?How will Strong Customer Authentication be supported by 3DS2?How will 3DS2 enable a frictionless customer authentication?How would the changes affect merchants?Will the conversions take a big hit? What can SafeCharge do about it? What are SCA exemptions?Why don’t all merchants use 3D Secure?What is the chargeback liability shift?With 3DS, can a merchant expect to never have a chargeback again?What is Transaction Risk Analysis (TRA)?What are the integration options?Will the integration require extensive development or reorganisation of the existing payment infrastracture?What can merchants do to be prepared for PSD2 and SCA?


3DS stands for 3D-Secure authentication service, a secure protocol that protects and secures online purchasing transactions. This allows customers to securely process payments without an increased risk of liability of fraudulent payments to the card issuer.

PSD2 is the second Payment Services Directive, administered by the European Commission (Directorate General Internal Market) to regulate payment services and payment service providers throughout the European Union (EU) and European Economic Area (EEA). It is designed to promote safer payment services for the EU single market establishment, and to create an efficient and secure payment service within the EU. With it comes the enforcement of Strong Customer Authentication (SCA).

SCA is a regulation that promotes better authentication of online payments across Europe. Its focus is to better authenticate user identity during bank transactions to reduce fraudulent transactions and to increase confidence in online services. As part of PSD2, it applies to all authentication services to secure transactions across all technological devices.

PSD2 went into full effect on 14 September 2019, but due to delays in the implementation, the European Banking Authority allowed for a time extension of the strong customer authentication.


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Watch our Webinar “PSD2 – What merchants need to know” – a joint webinar by SafeCharge, a Nuvei company and Visa

If you operate a business in Europe or if your customers are based in the EU, there is no doubt that you are wondering and most probably worrying about Payment Services Directive 2 (PSD2), its implications on your business and if you are prepared.

This informative session discusses the opportunities and challenges that the Directive presents. The webinar has been designed to provide merchants with a deeper understanding of PSD2, SCA/3DS 2.0/MPI through our expert panel including Visa representatives.

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3D Secure 1.0 (3DS1) was a protocol established by Visa and MasterCard that promotes two-way authentication for transactions. It was created primarily as a means to authenticate transactions on desktop browsers.

The new version of protocol, 3D Secure 2.0 (3DS2) has expanded to all major card networks and is accessible through more devices and platforms, including integration with a mobile number that uses a secure passcode for transaction verification.

3DS1 and 3DS2 were in co-existence for several years before a full transition was rolled out to 3DS2, however the former method isn’t compatible with many modern technologies in existence today.  3DS2 integrates seamlessly with modern technologies and allows for improved authentication methods.

Designed to enable a better user experience and minimise the impact on conversions, 3DS2 will be the primary method to comply with PSD2 SCA requirements. As with the earlier version, with 3DS2 authentication, the liability for fraudulent transactions shifts to the card issuer.

Some enhancements of 3DS2 compared to 3DS1 include:

  • An improved user experience with mobile purchases
  • Secure authentication in checkout through browsers and mobile applications
  • Collection of intricate data to identify any risks or fraudulent activity in transactions
  • Reducing unauthenticated payment risks

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SCA will make online financial transactions safer through enhanced verification. The days when online customers were using static (and easy to share and steal) code to authenticate with their issuing bank will disappear. Instead, in some cases, customers will be required to perform Strong Authentication through their card issuing bank which will collect two of the following three categories of information from them:

  • Who the customer is: This can be a fingerprint, facial features, DNA signature, or voice patterns.
  • What the customer knows: This can be a password, sequence, PIN, pass phrase, or even a personal fact, like the name of your first pet.
  • What the customer has: This can be a mobile phone, badge, token, wearable device, or smart card.

Instead of only using a password, customers may be requested to go through one of the following authentication flows:

A ‘two-factor’ authentication that will ask the user to provide a code sent via email or SMS.

A biometric authentication that will enable the user to use their fingerprint or face in the issuing bank app. These authentication flows provide handy alternatives to passwords that are easily forgotten. By making life easier for customers, businesses also lower the risk of them abandoning their purchase halfway through the security process.


3DS2 follows a risk-based authentication process to determine whether a transaction should be challenged. The risk level is calculated by intelligent use of data collected during the transaction, such as device information, time zone and various other parameters. If authentication can be achieved with the data collected in the background, the transaction is processed without requesting any additional information from the customer.

However, if there are risks associated with the transaction, authentication will move on to the extra steps or the ‘challenge flow’. Users will be able to use advanced authentication methods such as biometric information.

Unlike with 3DS1, businesses can use an iframe to implement the request for authentication on the same page without redirection. That means customers are not redirected and enjoy a better check-out experience.

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To support businesses in maximising their conversions after the enforcement of SCA, SafeCharge will enable dynamic implementation of 3D Secure 2.0. This means taking real-time intelligent decisions about whether to take or not to take advantage of SCA exemptions and push for higher conversion.

The Payment Services Directive is regulated and compliant with 3DS2 to allow for strong customer authentication (SCA), increase approval rates of transactions and is adaptable to changing technology.

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At this time, there is no hard evidence that conversions will be reduced. SafeCharge believes the optimum approach is to seek exemptions only where we believe the transaction does not pose a significant risk of fraud and where we do not believe the issuer will exempt the transaction without our exemption.

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Not every transaction will be subject to SCA. For example, low-risk and low-value transactions worth less than 30 EUR are exempt. But if low risk payments adding up to over 100 EUR are made on the card, or more than five consecutive transactions take place, SCA will apply. For low-risk transaction exemptions, the risk of a transaction is based on the average fraud levels of the card issuer and the acquirer processing the transaction.

There are many other exemptions, including:

  • Mail orders and telephone orders: which are not classified as electronic payments.
  • Corporate cards: which are issued to companies and used for business purposes.
  • Whitelisted merchants: who are chosen by customers and placed on a special list overseen by their bank.
  • Inter-regional transactions: where the card’s acquirer or issuer isn’t based in Europe.
  • Recurring transactions and subscriptions worth a set amount will be exempt after the first payment is made according to SCA regulations. If the amount changes though, 3D Secure 2.0 must be used.

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Merchants adopt 3D Secure when requiring an extra layer of security for transactions. Using 3D secure isn’t mandatory for transactions apart from those conducted in the European Economic Area (EEA).

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Merchants with 3DS enabled are no longer liable for card disputes where the issuer has confirmed the shopper’s identity. In the event of a successful authentication of an end-user transaction, the merchant receives full chargeback protection. Instances where a transaction would have previously been considered fraudulent, the authorized issuer assumes liability instead of the merchant.

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Merchants will always receive protection from liability chargebacks for fully authenticated transactions. This is expected for any other 3D secure versions. As with the earlier version, with 3D Secure 2.0 authentication, the liability for chargebacks due to fraud reasons shifts to the card issuer. However, note that chargebacks due to service or technical reasons are excluded from any liability shift and merchants remain liable for those.

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The 3DS2 protocol states that transaction data will always be shared. 

This transactional data forms the base of Transactional Risk Analysis (TRA). TRA is a fraud analysis strategy that observes and analyses components that form part of a transaction to identify and block fraudulent behaviors.

3DS introduced TRA through algorithms built to detect spending, purchasing and behavior patterns of the cardholder. As part of risk fraud analysis operations, it also analyses location information and real-time fraud rates within e-commerce transactions.

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Choose an integration solution based on your business requirements. SafeCharge helps you reduce 3DS complexity while ensuring compliance to PCI and PSD2.


SafeCharge’s Web SDK offers a simple yet robust set of JavaScript libraries. With our Web SDK, businesses get end to end payment functionality that includes tokenisation, 3DS authentication service and more, combining speed, simplicity and security. It offers complete control of the user experience, with the ability to customize and stylize the UI however you like. Our Web SDK also offers peace of mind by keeping your business outside of PCI scope.

  • Simple and quick integration
  • Complete control over UI and UX
  • PCI compliant solution
  • Advanced payment functionality

Businesses that need higher levels of customisation and require complete control over the UX and UI can opt for SafeCharge’s Rest API integration. It provides a deeper level of integration for developers and businesses that choose to implement 3DS2 to manage payment authentication across several acquirers. It’s ideal for large businesses that need greater control and have the resources to manage a more complex integration process.

  • High levels of customisation for experienced developers
  • Control over the integration workflow
  • Can be used in combination with other solutions
  • Acquirer agnostic
HOSTED PAYMENT PAGE (HPP) SafeCharge’s hosted payment page offers end-to-end payments functionality that includes tokenization and 3DS authentication services, with standard or customised UI/UX, designed to work with any country’s regulation flows.
We handle PCI scope, regulation and mandate requirements- so you focus on your business.

  • No integration needed, option to provide additional parameters for additional security
  • Full localisation (including regulatory)
  • Full 3DS version 2 support
  • Storage of card and alternative payment method credentials

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SafeCharge will guide you through the process to ensure you are prepared for SCA and the upgrade to 3DS2. 

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Merchants will be required to provide data to issuers for high-quality data analysis to ensure an effective experience and a probable higher rate of authorized transactions. Merchants should also identify those providers who have a good track record of preventing fraud. This will help allow smoother transactions and convenient payment options with limited challenges.

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The new regulations are complex, and we know that there may be many more questions that you may have. Please feel free to contact your account manager or get in touch with us. We’ll be happy to help you.


SafeCharge Limited is an Electronic Money Institution authorised and regulated by the Central Bank of Cyprus and is a principal member of Mastercard, Visa and Unionpay International (CUP). SafeCharge Financial Services Limited is authorised and regulated by the Financial Conduct Authority as a Payment Institution. Both SafeCharge companies are wholly owned by SafeCharge International Group Limited.