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Stripe for Joomla & VirtueMart: SCA and PSD 2, Questions and Answers

11 Sep 2019

With the Strong Customer Authentication (SCA) deadline falling on Saturday, 14 September 2019, we received a lot of questions and enquiries from clients and...

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Your favourite app suddenly failed to log you in, or refused to connect? Or a website you are visiting regularly is throwing a warning message that your connection is not private? Of course, your system or device was not updated recently, and you didn’t change any settings. Well, you are not alone, and it is much easier than expected to fix these issues!

Read more: Some websites, desktop and mobile applications may break from October 2021

With the Strong Customer Authentication (SCA) deadline falling on Saturday, 14 September 2019, we received a lot of questions and enquiries from clients and prospective customers asking us for clarification on what to expect. The following explains this in some detail.

What are SCA, PSD2 regulations, 3D Secure 2?

Strong Customer Authentication (SCA) is part of the new requirements to authenticate online payments which will be introduced in Europe as part of the second Payment Services Directive (PSD2).

Currently, the most common way of authenticating an online card payment relies on 3D Secure—an authentication standard supported by the vast majority of European cards. 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).

Read more: Stripe for Joomla & VirtueMart: SCA and PSD 2, Questions and Answers

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