Description of Conduct

On 28 January 2016, the Australian Payments Clearing Association (APCA) sought authorisation for APCA and those card schemes, issuers and acquirers that form the current and prospective Issuers and Acquirers Community (IAC) members agreeing to:
i) make changes to the IAC Regulations and Code Set and/or the credit, debit and charge card scheme rules for the sole purpose of implementing 3D Secure security measures to provide for:
-the mandatory enrolment in the 3D Secure security measures of both all relevant payment cards issued in Australia and all online merchants in Australia
-the determination of fraud risk thresholds that are focused on targeting high risk online transactions to determine when 3D Secure should be applied to an online transaction and when such an online transaction should be challenged by the use of dynamic authentication measures
-the application of 3D Secure security measures based on fraud risk thresholds to particular online transactions involving particular Australian based merchants in which credit, debit or charge card numbers are entered on the merchant's website
ii) implement the measures in a common timeframe
iii) jointly fund and implement a public communications strategy in relation to the proposed arrangements.

On 20 May 2016 the ACCC issued a draft determination proposing not to grant authorisation in respect of the proposed conduct. A copy of the draft determination is available by following the links below.

The ACCC also decided not to grant interim authorisation to the proposed conduct.

On 31 May 2016, APCA withdrew the application.


  • Australian Payments Clearing Association Limited

Authorisation number(s)

  • A91525
  • A91526



Document title Date
Draft Determination