If, on the other hand, this connection is made using Host to Host (direct from the company to the bank), they will have to make minor updates, a task we will help them with as needed. They can opt for a simpler option that consists of redirecting the operation to the payment gateway (to the Virtual POS terminal) or, alternatively, they can adapt the Host-to-Host connection itself and manage the full process for each transaction internally. In either case, they will get all the help they need from BBVA.
Whatever the new scenario, and to fully adapt to what is coming, an updated version of the EMV 3DS secure purchasing protocol has also been created, which incorporates the obligation to send new programming fields in each transaction, thus avoiding potential fraud. Each payment service provider has its own adaptations.