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Read our privacy policy. These payments then have to be resubmitted to the customer with a request for Strong Customer Authentication. Our new Checkout, as well as Stripe Billing are both built on top of this API and can dynamically apply 3D Secure when required. (We expect SCA regulation to be enforced in the UK, regardless of the outcome of Brexit.). And like any other exemption, it is still up to the bank to decide whether authentication is needed for the transaction. These areas include increased consumer rights in payments, creating a level playing field by bringing into scope the regulation of third-party access to account information and enhanced security. It requires two forms of validation out of three available categories. We have designed our new SCA-ready payments products to let you take advantage of exemptions when possible to help protect your conversion. The EBA has yet to amend this deadline in any way in response to COVID-19. We’ve published a separate page with the latest information on the SCA enforcement timeline, as well as a guide to help you identify when to add authentication in your customer journey. The cardholder’s bank needs to track the number of times this exemption has been used and decide whether authentication is necessary. All content on this website, including dictionary, thesaurus, literature, geography, and other reference data is for informational purposes only. Under this new regulation, specific types of low-risk payments may be exempted from Strong Customer Authentication. To use merchant-initiated transactions, you need to authenticate the card either when it’s being saved or on the first payment. Since the implementation of the original PSD, there have been new technological advances within the payments market seeing an increase of Third Party Providers (TPPs). On 30 April 2020, an additional 6 months was granted in response to the exceptional COVID-19 circumstances, resulting in the current September 2021 deadline. Share your email so Stripe can send you updates on Strong Customer Authentication, guides, and industry news. Finally, you need to get an agreement from the customer (also referred to as a “mandate”), in order to charge their card at a later point. Additionally, on 16 October 2019 the European Banking Authority (EBA) issued an opinion delaying the deadline of SCA until 31 December 2020, effectively setting a Europe-wide deadline. These businesses are then included on a list of “trusted beneficiaries” maintained by the customer’s bank or payment service provider. Payment providers like Stripe are able to request these exemptions when processing the payment. We use cookies to improve your experience and for marketing. That’s where SCA comes in. Olivier Godement is a Product Manager at Stripe who drives authentication efforts to help businesses prepare for Strong Customer Authentication. Knowledge (something only the payer knows) - examples include a password, PIN, passphrase or secret fact/answer, Possession (something only the payer possesses) - examples include their mobile phone, smart watch, smart card or a token, Inherence (something the payer is) - examples include a fingerprint, facial recognition, voice patterns, DNA signature and iris format. Banks can return new decline codes for payments that failed due to missing authentication. Learn more in our. What internet businesses need to know about the new European regulation. Any reduction in the rate of fraud could result in a significant saving across Europe. Where payments are initiated by an end customer, SCA will only apply to the first payment in a set of recurring payments for the same amount. SCA adds an extra layer of security when end-customers make a payment online. card). With the exception of contactless payments, in-person card payments are also not impacted by the new regulation. Payments made with saved cards when the customer is not present in the checkout flow (sometimes called “off-session”) may qualify as merchant-initiated transactions. It requires two forms of validation out of three available categories. Our new payments products optimise for different regulatory, bank, and card network rules and apply relevant exemptions for low-risk payments, so as to only trigger 3D Secure when required. On 21 June 2019, the EBA released a new opinion on what may constitute a compliant element in each of the three possible categories of inherence, possession and knowledge, as well as additional requirements on dynamic linking and the independence of elements. These requirements have far-reaching implications for any business with an online presence. The deadline to implement SCA for businesses operating in the UK has now been extended to .css-1b95puh{padding:0;margin:0;font-family:inherit;-webkit-text-decoration:underline;text-decoration:underline;}.css-1b95puh:empty{display:none;}14 September 2021. Try again? Although the regulation was introduced on 14 September 2019, we expect these requirements to be enforced by regulators over the course of 2020 and 2021. (If you would like to read the original SCA requirements, they are set out in the Regulatory Technical Standards or RTS.). The cardholder’s bank will then receive the request, assess the risk level of the transaction, and ultimately decide whether to approve the exemption or whether authentication is still necessary. We also expect many common European payment methods, such as iDEAL, Bancontact, or Multibanco, to follow the new SCA rules without any major changes to their user experience. Card details collected over the phone fall outside the scope of SCA and do not require authentication. This means enforcement action will not be taken against businesses until after the extended deadline, “where there is evidence that they have taken the necessary steps to comply with the plan [as agreed with card issuers, payments firm and online retailers].”. .css-n02ccv{-webkit-align-items:baseline;-webkit-box-align:baseline;-ms-flex-align:baseline;align-items:baseline;margin:0;padding:0;-webkit-appearance:none;-moz-appearance:none;appearance:none;-webkit-user-select:none;-moz-user-select:none;-ms-user-select:none;user-select:none;border:none;border-radius:0;background:none;font-family:inherit;font-weight:inherit;font-size:inherit;line-height:inherit;color:inherit;width:auto;cursor:pointer;-webkit-text-decoration:none;text-decoration:none;-webkit-flex-wrap:nowrap;-ms-flex-wrap:nowrap;flex-wrap:nowrap;text-align:left;font-size:inherit;line-height:inherit;background-color:transparent;color:#fbfbfb;font-size:16px;line-height:24px;width:auto;display:inline;}.css-n02ccv:hover,.css-n02ccv[data-hover]{-webkit-text-decoration:underline;text-decoration:underline;}.css-n02ccv:hover,.css-n02ccv:focus,.css-n02ccv[data-focus]{background-color:transparent;color:#fbfbfb;}.css-n02ccv:focus,.css-n02ccv[data-focus]{outline:2px solid #7e9bf0;}.css-n02ccv:active,.css-n02ccv[data-active]{background-color:transparent;color:#f3f4f5;}.css-n02ccv:disabled,.css-n02ccv[disabled]{background:transparent;border-color:transparent;color:#8f9197;}.css-n02ccv:disabled,.css-n02ccv[disabled]{cursor:not-allowed;-webkit-text-decoration:none;text-decoration:none;}Learn more, GoCardless Ltd., Sutton Yard, 65 Goswell Road, London, EC1V 7EN, United Kingdom. Applying 3D Secure typically adds an extra step after the checkout where the cardholder is prompted by their bank to provide additional information to complete a payment (e.g., a one-time code sent to their phone or fingerprint authentication through their mobile banking app). SCA is a form of two-factor authentication designed to prove that end-customers are who they say they are, with specific rules around what constitutes ‘authentication’. Only when the payer has been able to provide two of these forms of authentication, will they be allowed to complete their payment. Stripe’s SCA-ready products automatically trigger this extra authentication when required by banks. Read our guide on designing payment flows for SCA for more information. Michael Cocoman is Head of Regulatory at Stripe and works on expanding our global product offering. However, in August 2019 the Financial Conduct Authority (FCA) confirmed that enforcement of SCA in the UK was to include a phased 18-month implementation, starting on 14 September 2019 and ending March 2021.

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