Wallester
Business
White-Label
Company
Log in Try demo
Čeština (cs) Dansk (da) Deutsch (de) Eesti (et) English (en) Español (es) Français (fr) Italiano (it) Latviešu (lv) Lietuvių (lt) Nederlands (nl) Polski (pl) Português (pt) Suomi (fi) Svenska (sv) Русский (ru)

Payment Service Directive 2

What is PSD2?

PSD2 (Payment Service Directive 2) is a European Union directive on payment services.

The main purpose of PSD2 is to increase competition on the payment services market, as well as to support legislation on protection of consumers, organizations providing payment services and their clients.

PSD2 was created to make payments more efficient and secure. Moreover, PSD2 ensures accountability and fair competition, as regulation lowers barriers to third-party providers.

Wallester platform and PSD2

All VISA cards issued on the Wallester platform support strong customer authentication technologies SCA (e.g., PIN, biometric verification, 3DS) to comply with the PSD2 directive.

What does it bring our customers?

High security level

Wallester continuously monitors the respect of all innovations and updates security technologies in a timely manner.

All online and contactless payments made with VISA cards issued on the Wallester platform undergo a specifical authorization in the framework of SCA regulations.

Reliable authentication

Wallester technologies minimize the likelihood of electronic transaction fraud. According to the PSD2 declaration, when using the SCA in electronic transactions, two or more independent components are involved:

  • a physical component that belongs to the client only
    (a physical card with data);
  • the information that only the client possesses
    (PIN-code, 3DS-password);
  • biometric data of the client
    (face, fingerprint).

How often is confirmation required?

The number and frequency of authentication requests depend on the merchant, as well as on the frequency of online purchases and contactless payments made by the user.

The most common verifications and restrictions are:

  • verification if the purchase is above the maximum set amount;
  • limiting the number of contactless payments and requesting a PIN when exceeded.
App Store App Google Play App
Business
Cards
  • Corporate cards
  • Expense cards
  • Payroll cards
  • Platinum cards
Features
  • Expense management
  • Accounting & invoices
  • Budget analytics
  • Report management
Industries
  • Media buying
  • Reselling
  • Yacht management
  • Transport and logistics
  • Fleet management
  • Travel and hospitality
Others
  • Pricing
  • API solutions
  • Help center
White-Label
Payment cards
  • Virtual card
  • Prepaid card
  • Debit card
  • Credit card
  • White-Label card
Platform overview
  • White-Label solutions
  • Card issuing
  • BIN sponsorship
  • Payment processing
Services
  • Tokenization
  • 3D Secure
  • Fraud monitoring
  • KYC/KYB and AML
  • PSD2
  • Mobile app
  • Apple Pay
  • Google Pay
Solutions across industries
  • Banks
  • Business loan providers
  • Consumer loan providers
  • Google Pay
  • E-commerce marketplaces
  • Employers & gig platforms
  • FinTech companies
  • Gift & rewards cards
  • Insurance companies
  • Membership & loyalty cards
  • Peer-to-peer loan providers
  • Streaming platforms
Developers
  • API documentation
  • Card issuing API
  • Open API
  • Open-source example
Company
About us
  • Our Story
  • Why Wallester
  • Why Wallester Business
  • Visa Principal membership
  • Media pack
  • Affiliate program
  • Contact us
  • Careers
  • Wallester blog
  • FAQ
Čeština (cs) Dansk (da) Deutsch (de) Eesti (et) English (en) Español (es) Français (fr) Italiano (it) Latviešu (lv) Lietuvių (lt) Nederlands (nl) Polski (pl) Português (pt) Suomi (fi) Svenska (sv) Русский (ru)
  • Legal notice
  • Privacy policy
  • Cookie policy
  • Annual reports
  • Complaints handling procedure
  • Business account & card agreement
  • Your rights when making payments in Europe
  • Visa partner

© 2025 Wallester AS. All rights reserved. Wallester AS is a Payment Institution, authorized by the Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority), and an official Visa Principal Member. Registration code: 11812882.

VISA PCI DSS