On September 14, the new Payment Services Directive (PSD2) will go into effect for all merchants who sell to customers in the EU. For information on compliance, PSD2 Authentication Standards, and actions that need to be taken prior to the deadline, please see the Magento DevBlog. https://community.magento.com/t5/Magento-DevBlog/3D-Secure-2-0-changes/ba-p/136460