Monday, October 14, 2019
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Stripe for Joomla & VirtueMart: SCA and PSD 2, Questions and Answers

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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