Overview

Strong customer authentication (SCA) is a requirement of the EU Revised Directive on Payment Services (PSD2) on payment service providers within the European Economic Area. This article explains how BiznessApps have taken care of integrating Stripe payment gateway so it is SCA compliant.

Diagnosis

You have configured your app to use Stripe as the Payment Gateway and you received the following message on your Stripe account.

Hello,
Thank you for choosing Stripe! We're writing because we noticed your account is impacted by a regulatory requirement called Strong Customer Authentication (SCA). SCA requires two-factor authentication on many payments in Europe. Payments that are not authenticated are at risk of being declined by your customers' banks.
Your account has payments (like this one) in live mode using the Charges API, which does not support the authentication requirements of SCA. We recommend reaching out to your plugin developer about using one of our SCA-ready integration paths to avoid more declined European payments.

This is to notify you that your app's payment gateway needs to be compliant with SCA.

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Prerequisites

• Use of the Stripe Payment Gateway

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Solution

The BiznessApps platform supports SCA through the use of the 3D Secure 1 (3DS1) protocol.  That is, using the 3DS1 protocol the BiznessApps platform complies with the SCA guidelines.

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Related Articles

• Signing up for a Payment Gateway