✨ 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 (Stripe, PayPal, and Worldpay) have taken different approaches to implementing the SCA requirements.
Stripe
Customers may need to enter their card's registered postcode/zipcode.
Previously saved card details must be re-entered and won't be stored for future use.
Due to SCA rules, the "Remember Me" feature, which allows payment with a mobile phone code, is no longer available.
During the transaction, some customers might undergo an extra security check with their bank, known as 3D Secure or 3DS.
PayPal
The checkout process remains unchanged.
Customers may need to undergo an additional security check with their bank to complete the transaction, known as 3D Secure or 3DS.
WorldPay
The checkout process remains unchanged.
Customers might need to perform an extra security check with their bank, known as 3D Secure or 3DS, to complete the transaction.
How this will affect your customers
Most transactions will not require extra information or security checks. Many customers will not notice any changes, and they will only be asked for additional details on rare occasions.
Customers under additional SCA requirements must provide the required additional information. There's a small chance a transaction might fail or be blocked due to the need for extra details.
This can happen for a couple of reasons:
A customer enters incorrect information. E.g., they added the wrong postcode/zipcode for their card.
A customer doesn't successfully validate their transaction using their bank's 3D Secure check, for example, by entering the wrong passcode in their bank's security form.
Customers should have the option to re-enter their details if they make a mistake. It shouldn't stop them from making a payment as long as they input the correct information.
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