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Payments: EU to complicate eCommerce payments

The EU Commission proposed today a new set of security requirements for online payments aimed to combat fraud.  They will make it more difficult for consumers to buy online and for sellers to take payments. Unnecessary, say webshops.

Online sales have grown over the last 5 years with double digits.  This is the result of consumer trust and experience. For the past years sellers have invested in numerous solutions to combat fraud in online payments while providing a very good customer experience and the effects are clearly visible, fraud levels have decreased significantly while the number of transactions have increased. The new requirements, to come into effect as of mid-2019, are not needed, will introduce new burdens for sellers and have minimal effects on fraud. 

Maurits Bruggink the EMOTA Secretary General said “eCommerce is about smooth customer experience.  The current fraud levels are very low and do not justify to oblige every consumer to use bank card and a card reader for every transaction”. 

EMOTA is concerned of the 30 EUR threshold above which very stringent security measures would be imposed, obliging consumers to use additional elements to approve transactions (code generators, etc.) or be exempted from this obligation if they comply with a number of extremely stringent criteria.  

EMOTA calls on policy makers to ensure that the new rules acknowledge and reward sellers that invest in the best security measures to protect their customers. Currently the proposal does not take into consideration the individual shop performance but uses aggregate figures. 



  • The EU Parliament and Council are expected to vote on the proposal in the upcoming weeks. 

  • The new rules will apply as of mid-2019



Maurits Bruggink

EMOTA Secretary General


About EMOTA 

The European Multi-Channel and Online Trade Association, EMOTA, is the voice of online and distance sellers in the EU. EMOTA represents online and distance sellers from 19 markets.