{"id":35711,"date":"2019-07-23T14:16:43","date_gmt":"2019-07-23T12:16:43","guid":{"rendered":"https:\/\/archief.betaalvereniging.nl\/?page_id=35711"},"modified":"2024-06-13T16:25:46","modified_gmt":"2024-06-13T14:25:46","slug":"roll-out-sca-remote-cards-payments","status":"publish","type":"page","link":"https:\/\/archief.betaalvereniging.nl\/en\/focus\/roll-out-sca-remote-cards-payments\/","title":{"rendered":"Roll-out SCA remote cards payments"},"content":{"rendered":"<div id=\"pl-35711\"  class=\"panel-layout\" ><div id=\"pg-35711-0\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-35711-0-0\"  class=\"panel-grid-cell\" ><div id=\"panel-35711-0-0-0\" class=\"panel widget widget_black_studio_tinymce panel-first-child panel-last-child\" data-index=\"0\" ><div class=\"textwidget\"><p class=\"c-intro\">Dutch Payments Association takes the initiative for PSD2 \u2018managed roll-out\u2019 remote card payments<br \/>\n&nbsp;<br \/>\n<a class=\"button\" href=\"https:\/\/archief.betaalvereniging.nl\/en\/focus\/roll-out-sca-remote-cards-payments\/sca-migration-project\/\">SCA Migration Project<\/a><\/p>\n<\/div><\/div><\/div><div id=\"pgc-35711-0-1\"  class=\"panel-grid-cell\" ><div id=\"panel-35711-0-1-0\" class=\"panel widget widget_black_studio_tinymce panel-first-child panel-last-child\" data-index=\"1\" ><div class=\"textwidget\"><p>There is broad concern in the market about potentially negative effects on conversion rates for remote card payments, with the introduction of SCA as required in PSD2 and the RTS by 14 September. There are multiple causes for such potentially negative effects. The complexity of the situation stems from a dependency between the following:<\/p>\n<ul>\n<li>Degree of readiness of online merchants;<\/li>\n<li>Availability of security techniques such as 3D Secure v2;<\/li>\n<li>Preparation of cardholders, and communication to cardholders.<\/li>\n<\/ul>\n<p>The European Banking Authority has accepted that, on an exceptional basis and in order to avoid unintended negative consequences for some payment service users after 14 September 2019, NCAs <strong>may <\/strong>decide to work with PSPs and stakeholder communities to provide limited additional time. This is to allow issuers to migrate to authentication approaches that are compliant with SCA, such as those described in the corresponding EBA Opinion, and acquirers to migrate their merchants to solutions that support SCA.<\/p>\n<p>This supervisory flexibility is available under the condition that:<\/p>\n<ul>\n<li>PSPs have set up a migration plan,<\/li>\n<li>have agreed the plan with their NCA, and<\/li>\n<li>will execute the plan in an expedited manner.<\/li>\n<\/ul>\n<p>Based on the EBA Opinion, there is ongoing dialogue between the Dutch stakeholders involved in this matter, including the Dutch central bank, issuers, acquirers and representatives of online merchants and consumers. The aim of the dialogue is to minimize the unintended (negative) consequences of the introduction of SCA for remote card payments in the short term for all stakeholders in the Netherlands. The Dutch Payments Association has taken the initiative for a coordinating role in this dialogue in the stakeholder meeting of 17 July 2019.<\/p>\n<p>The outcome of the abovementioned dialogue will be used as input for the Dutch NCA to discuss with other NCAs and EBA on an EU-wide stakeholder questionnaire on the preparedness to meet the requirements on SCA. The outcome of said questionnaires will be used by the EBA to define the requirements to the migration plans and European roll-out timeline.<\/p>\n<p>Clarity on the conditions for a \u2018managed roll-out\u2019 will be given in a different steps. Starting with a message in the coming weeks on whether limited additional time will be provided for the implementation of SCA for remote card payments. The Dutch Payments Association is in close contact with the authorities on this topic.<\/p>\n<p>A \u2018managed roll-out\u2019 plan should clearly address benefits of differentiated timelines for different stakeholders \u2013 e.g. on issuing and acquiring side \u2013 and for different aspects such as communication to consumers as well as merchants, implementation and testing. The Dutch Payments Association has started to draft the outline of a Dutch roll-out plan, using input and inspiration from roadmaps already published in the market, among which the plans drafted by the card schemes.<\/p>\n<p>It should be noted that any deviation from SCA requirements is a matter between regulated entities and their supervisor. Ultimately therefore, regulated entities must present individual plans for endorsement to their NCA. An overarching collaborative approach however is a prerequisite for the individual plans, to make the process as uniform as possible and to make it representative for the Dutch market as a whole through stakeholder involvement.<\/p>\n<\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Dutch Payments Association takes the initiative for PSD2 \u2018managed roll-out\u2019 remote card payments<\/p>\n","protected":false},"author":7,"featured_media":35902,"parent":4805,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-35711","page","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/pages\/35711","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/comments?post=35711"}],"version-history":[{"count":11,"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/pages\/35711\/revisions"}],"predecessor-version":[{"id":44307,"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/pages\/35711\/revisions\/44307"}],"up":[{"embeddable":true,"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/pages\/4805"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/media\/35902"}],"wp:attachment":[{"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/media?parent=35711"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}