{"id":38802,"date":"2020-09-15T13:05:23","date_gmt":"2020-09-15T11:05:23","guid":{"rendered":"https:\/\/archief.betaalvereniging.nl\/?p=38802"},"modified":"2020-09-15T13:05:23","modified_gmt":"2020-09-15T11:05:23","slug":"full-sca-approaching-fast","status":"publish","type":"post","link":"https:\/\/archief.betaalvereniging.nl\/en\/actueel\/nieuws\/full-sca-approaching-fast\/","title":{"rendered":"Full application of SCA for online card payments approaching fast"},"content":{"rendered":"

By 31 December 2020 at the latest, web merchants must fully support the SCA-guidelines from the EU (Strong Customer Authentication) for online card payments. From October onwards, card issuers will increasingly reject online card payments without SCA-compliant two-factor authentication<\/a>, for increasingly lower amounts.<\/p>\n

The EMV 3DS standard (EMV 3-D Secure) for SCA with card payments will allow cardholders to be verified easily and securely, for example with a simple fingerprint or mobile PIN. Card issuers will approve most payments with 3DS verification.<\/p>\n

Are you an online merchant who does not yet comply with SCA guidelines? Then contact your payment service provider as soon as possible! Web shops that do not adjust their card payment processes in time, will have their customers\u2019 online credit card payments rejected more often during the busy shopping period leading up to the holidays.<\/p>\n

Take plenty of time to thoroughly test!<\/h3>\n

Those who switch to 3DS early, can test this extensively and calmly and benefit from a higher conversion ahead of their competition. The latest version of 3DS that all Dutch credit card issuers will support in the course of October and that offers the best customer experience, is EMV 3DS v2.1 or higher. After December 31st 2020, almost all online credit card payments without 3DS will be irrevocably rejected unless exemption from SCA is possible.<\/p>\n

Where do we stand in the Netherlands?<\/h3>\n

On 1 January 2021, all participants in the payment chain for online card payments in the Netherlands must fully comply with the EU guidelines for SCA<\/a>. The deadline for the full application of SCA has already been postponed by 15 months by the EBA (European Banking Authority) and will not be postponed again. In early September 2020, all Dutch credit card issuers, transaction processors and payment institutions were on track to meet this deadline.<\/p>\n

\"\"<\/a><\/p>\n

At present, Dutch card issuers do not systematically reject online card payments without SCA. However, so-called soft-declines will increasingly reject online card payments submitted without SCA (known as legacy transactions) from October 2020. Following a soft-decline the merchant can resubmit the payment with SCA, using the 3DS standard.<\/p>\n

In the course of October, online retailers can also invoke SCA exemptions for specific online card payments. Exemption is possible for low value payments up to \u20ac30 (LVP). For higher amounts up to \u20ac500, exemption is possible if the card issuer estimates the transaction risk to be low (with transaction risk analysis or TRA). Online merchants can ask their own payment service provider whether they are eligible for exemptions and how they can be invoked and granted.<\/p>\n","protected":false},"excerpt":{"rendered":"

Soft-declines will increasingly reject online card payments submitted without SCA, for decreasingly lower amounts, from October 2020.<\/p>\n","protected":false},"author":8,"featured_media":37068,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"class_list":["post-38802","post","has-post-thumbnail","hentry","category-press-releases"],"_links":{"self":[{"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/posts\/38802","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/comments?post=38802"}],"version-history":[{"count":1,"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/posts\/38802\/revisions"}],"predecessor-version":[{"id":38803,"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/posts\/38802\/revisions\/38803"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/media\/37068"}],"wp:attachment":[{"href":"https:\/\/archief.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/media?parent=38802"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}