You can learn more about the SCA background here, but it's designed to improve payment security and reduce your customer's vulnerability to fraud. 

This article explains how SCA might affect the way your customers make payments.


Changes to payment processes

Each of our supported payment gateways (Stripe, PayPal and Worldpay) has taken different approaches to implement the SCA requirements.

Below is how the new requirements may affect payments on each payment gateway.

Stripe

  • Customers may also be asked to enter the postcode/zipcode registered to their card. 

  • Previously saved card details will need to be re-entered and not be saved for future transactions. The previous "Remember Me" feature - where the customer could pay using a code sent to their mobile phone - is no longer available as it doesn't meet SCA rules.

  • Some customers may also be required to complete an additional security check with their bank to complete the transaction (sometimes referred to as 3D Secure or 3DS).

PayPal

  • Checkout remains the same, but customers may be required to complete an additional security check with their bank to complete the transaction (sometimes referred to as 3D Secure or 3DS).

Worldpay

  • Checkout remains the same, but customers may be required to complete an additional security check with their bank to complete the transaction (sometimes referred to as 3D Secure or 3DS).


How will this affect my bookers?

Transactions that require additional information or security checks should be in the minority. Many bookers won't experience a change or are only occasionally asked for further details. 

Those subject to additional SCA requirements will mean providing a little more information, as explained in the section above. There is always a small chance a transaction might fail or be blocked with the requirement for extra details. Either because:

  • A booker enters incorrect information. For example, they added the wrong postcode/zipcode for their card.

  • A booker doesn't successfully validate their transaction using their bank's 3D Secure check, such as entering the wrong passcode in their bank's security form.

Bookers should be allowed to re-enter their details if they make a mistake. So it shouldn't stop a booker from paying, providing they have the correct information. 

If you have any questions about the updates, please get in touch with support via live chat or email at support@bookwhen.com.

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