PSD3 will raise the bar for security, transparency, and consistency across the European payments landscape. Together with its companion regulation (PSR), it sets clearer expectations for fraud prevention, Strong Customer Authentication, and cross-border readiness.
This page gives you a practical overview of what is changing, what it means for your fraud and compliance setup, and how RiskShield helps you prepare with confidence.
You don’t have to navigate PSD3 uncertainty alone.
The PSD3 framework is still being finalised, but its direction is already clear: stronger fraud controls, tighter authentication rules, and a more harmonised European market. INFORM supports payments, fraud, and compliance teams in translating regulatory change into operational readiness without adding avoidable friction to legitimate transactions.
PSD3 is not just another regulatory update. It changes day-to-day expectations for how organisations detect fraud, orchestrate authentication, and prove compliance.
Preparing for PSD3 means converting regulatory intent into measurable fraud-prevention and compliance capabilities. RiskShield helps you do exactly that, so you can stay compliant while keeping payments fast and customer journeys smooth.
How RiskShield supports your PSD3 roadmap:
PSD3 impacts multiple actors in the payments chain. RiskShield supports each with tailored fraud-prevention and compliance outcomes.
Alfred Hitchcock mastered suspense, and PSD3 is producing a similar feeling across the payments industry.
In this article, our expert unpacks what’s changing under PSD3, why PSR raises the stakes right away, and how organisations can stay ready as the regulatory picture evolves.
From leading banks and payment service providers to global merchants: organisations across the European payments ecosystem rely on RiskShield to reduce fraud risk, strengthen compliance readiness, and stay in control of secure, friction-low payment journeys under PSD3.
Get a clear view of what PSD3 means for your organisation and the steps to take next. We’re happy to walk you through readiness options tailored to your setup.
Christian Huesch
Christian Huesch is Solution Owner at INFORM GmbH, where he leads the RiskShield Risk-Based Authentication (RBA) Solution for issuers and acquirers. His work focuses on helping financial institutions enhance their e-commerce authentication processes by balancing security, compliance, and user experience.
With more than two decades of experience in the IT and payment security industry, Christian has held senior roles at leading organizations and his expertise spans PSD2/3, EMV 3DS, and Strong Customer Authentication (SCA), making him a recognized specialist in modern payment authentication strategies.
