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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 (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.

    • The "Remember Me" feature, allowing payment with a mobile phone code, is no longer available due to SCA rules.

  • Some customers might undergo an extra security check with their bank, known as 3D Secure or 3DS, during the transaction.

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 to complete the transaction, known as 3D Secure or 3DS.


How this will affect your customers

Most transactions won't need extra information or security checks. Many customers won't notice any changes, or they might 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:

  1. A customer enters incorrect information. E.g., they added the wrong postcode/zipcode for their card.

  2. A customer 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.


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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