Now that the basics are covered, here’s how it will look when a customer decides to buy your products, services, or plans with 2Checkout’s support in place. While we anticipate some semblance of consensus evolving over the next couple of years, there are certain to be variations in how each issuer decides to handle exemptions in the shorter term. Once «in session», the customer can proceed with the 3DS2 authentication and the recurring transaction can continue uninterrupted. Another very important exemption refers to recurring transactions, as long as the charge is made for the same amount, for the same payee, and the same recurring cycle. When exemptions are NOT applied, the transaction goes through the «challenge flow». Merchants who decide to use exemptions will not only miss out on any potential liability shift to the issuer, but it’s also likely that they will give up any recourse to successfully challenge disputed transactions. Also out of scope of SCA are items like prepaid cards, mail/ telephone order (MOTO) transactions and one-leg out transactions (i.e. Until all issuing banks are up to speed with 3SD2 (and no, not all will be ready by the September 14 deadline), for each European online transaction, behind-the-scenes payment providers like 2Checkout will have an automated check in place to see if the issuing bank supports 3DS2 or not. SCA is only required when both the cardholder’s issuing bank and the merchant’s acquirer are located in the EEA region. But until there are uniform standards in place, there is too much uncertainty for merchants to rely solely on trusted-beneficiary exemptions. We introduced readers to the Payment Services Directive 2 (PSD2) and Strong Customer Authentication (SCA), 3D Secure 1 (3DS1) and 3D Secure 2 (3DS2) in a previous blog post – What is PSD2 and What Does Strong Customer Authentication (SCA) Mean for You? Another exemption refers to low-risk transactions, which are determined by a real-time risk analysis performed by the 2Checkout system and transmitted to the issuing bank, which will allow the exemption. When we say “more data,” we mean 100+ data points sent to the cardholder’s bank to assess the transaction risk. where one of the players – either of the payer or the payee – is based outside of the EU). The MIT transactions are out of scope for SCA. While exemptions may be a useful tool for certain transactions, merchants should be aware of and consider these risks when deciding whether or not to seek them. Low value and low risk transactions. The perception among many merchants is that whitelisting could be a cure-all for SCA-related friction, and on the surface it does sound appealing. What does that mean? So as part of our ongoing effort to provide insights to help you determine your approach to these nuanced requirements, we’re taking a closer look at some of the factors and forces behind exemptions. The additional good news is that 3DS2 comes along with frictionless authentication. As 3DS authentication becomes the norm across the EEA region, consumers will become conditioned to expect authentication verification more regularly and could perceive a seller as less-than-trustworthy if they’re not prompted to authenticate. Good practice is to offer an alternative payment method and continue with the purchase. Example of a «frictionless flow» when exemptions are applied. Accept mobile and online payments from buyers worldwide, Subscription management solution to maximize recurring revenue, Full commerce solution built for digital goods sales, Additional services to boost online sales, “All you need to know about PSD2 and Strong Customer Authentication if you sell online”, Digital Products to Sell Online and How to Find the Best One for You, Give Me 5 Tips on Keeping Sales Strong During a Crisis, How to Solve the New Channel Conflict in B2B Sales. The most flexible digital commerce platform that can give your business a real boost. The main problem with this process has been the redirect itself, and the fact that the page and the whole process were not optimized for today’s smartphones. There are approximately 145 possible parameters to share with the banks, out of which a handful are mandatory. Given all the additional data elements available to issuers to help inform risk-based decisions in the background, the assumption should be that if a cardholder challenge is required, enough flags have been raised to cause concern. You will most likely not be able to fight even non-fraud-related chargebacks. To prevent SCA in such cases, it’s important to share as much data around shopper account information, the customer herself, and the environment she is utilizing. As hinted above, 3DS1 has a clunky user interface and, on top of that, it looks suspicious and can make customers feel less secure, leading them to abandon the checkout. The first issuing banks are already gradually supporting 3DS2, but the whole changeover process will still take some time.
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