Age Estimation for PSD3: Ensuring Minor Protection & SCA Compliance
Blog post from Didit
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The upcoming EU Payment Services Directive 3 is expected to strengthen payment security, expand Strong Customer Authentication requirements, and place greater emphasis on protecting minors in online transactions and access to age-restricted services. The material argues that AI-based age estimation can provide a low-friction preliminary check by analyzing a selfie or video feed and returning a threshold-based result, such as whether a user is over 18, while referring uncertain cases for stronger checks including identity-document verification and liveness detection. It presents this tiered approach as a way for businesses to balance compliance, privacy, user experience, conversion rates, and scalable fraud prevention, while noting that age estimation alone may not meet every legal verification requirement. Didit promotes its own age-estimation product, claiming accuracy within plus or minus 3.5 years, configurable privacy-focused outputs, and integration with broader identity verification and anti-money-laundering workflows.
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