Strong Customer Authentication (SCA), a new regulation as part of PSD2 in Europe, came into effect on 14 September, 2019. It requires online stores to use 3D Secure, a technology that adds an extra verification step to checkout, for European customers. This guide explains the basics of SCA, what merchants need to know, and how to verify a purchase.
SCA helps make online payments more secure. It’s a new way to verify your customers’ identity, and may help protect you from liability for fraudulent payments.
How does it work?
Stripe enables 3D Secure automatically for customers with credit or debit cards issued in the European Economic Area (EEA). These customers will see an extra authentication step during checkout. This may be a pop-up in their browser, a push notification from their banking app, or a similar notification. The exact authentication process depends on the customer’s bank. It's not possible to customize this experience. For more information, Stripe’s documentation about 3D Secure and SCA.
Do I need to take steps for SCA?
No. If you’re a merchant, you don’t need to take any steps as the Squarespace platform and your store are ready for this regulation. We've added technology to the Commerce checkout experience to support additional authentication with European banks.
How do I verify my purchase?
If you're purchasing a Squarespace subscription, your bank may require you to verify the charge. There are three ways to verify your purchase:
- Pop-up message: If you're completing a purchase and see a pop-up message from your bank, review the message and authorize the purchase.
- Email: If you receive an email from firstname.lastname@example.org asking you to verify a charge, log into your site and update your credit card to authorize the charge.
- Domains panel (domain purchases only): If you're registering a domain and see a Verify your purchase message in the Domains panel, click the domain showing the message, click Verify, then follow the prompts to complete your purchase.