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How Strong Customer Authentication (SCA) affects payments for your customers
How Strong Customer Authentication (SCA) affects payments for your customers

SCA updates have changed payment provider checkouts for some customers and the information required to complete a transaction.

Anni avatar
Written by Anni
Updated over a week ago

✨ Please note: Online payments are available on the Lite plan or above.

SCA is 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

Our supported payment providers have each implemented the SCA requirements in their own way.

Stripe

  • Customers may need to enter their card's registered postcode/zipcode.

  • Previously saved card details must be re-entered, and they won't be saved for future use.

  • Due to SCA rules, the "Remember Me" feature, which allows payment via mobile phone code, is no longer available.

  • During the transaction, some customers may go through an additional security check with their bank, known as 3D Secure or 3DS.

PayPal

  • The checkout process remains the same.

  • Customers may need to complete an extra security check with their bank, known as 3D Secure or 3DS.

WorldPay

  • The checkout process remains unchanged.

  • Customers may need to undergo an additional security check with their bank, known as 3D Secure or 3DS.

⚠️ Please note: Worldpay is no longer available for new sign-ups.


How this will affect your customers

Most transactions won’t require additional information or security checks. For most customers, the payment process will remain the same, with extra details only requested on rare occasions.

However, some customers may face additional SCA requirements and will need to provide the necessary details. There is a slight chance that a transaction may fail or be blocked if extra information is needed.

This can happen for a few reasons:

  • A customer enters incorrect information, such as an incorrect postcode/zipcode for their card.

  • A customer doesn't pass their bank's 3D Secure check, for example, by entering the wrong passcode on the bank’s security form.

Customers should have the option to correct any mistakes and re-enter their details without being blocked from completing their payment.


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