This week we’ve introduced two new Stripe payment modules with Strong Customer Authentication: Stripe Checkout v2 and Stripe Intents – 3D Secure integration.

Strong Customer Authentication (SCA)

The Strong Customer Authentication is the new requirement of the European Union aimed at reducing fraud and making online payments more secure. It requires that electronic payments are performed with multi-factor authentication. Strong Customer Authentication is an important element of PSD2 – European Union directive first introduced in 2007 and revised in 2015 to regulate payment services and payment service providers, which comes into full effect on 14 September 2019. The directive affects businesses operating within European Union and processing online payments for customers from the EU. SCA will apply only to “customer-initiated” payments and as recurring payments are considered “merchant-initiated” they will not require strong authentication.

Stripe Checkout v2 and Stripe Intents – 3D Secure integration with Strong Customer Authentication

Two of our Stripe integrations: Stripe Checkout v2 and Stripe Intents – 3D Secure now fully support Strong Customer Authentication.

Stripe Payment Intents enable to process one-time payments using Stripe’s new foundational payments API. Stripe Checkout is a smart payment page that works seamlessly across devices and allows to process both one-time and recurring payments using credit and debit cards. Now the modules not only automatically handle SCA requirements but also ensure that you only ask customers to provide additional authentication when strictly necessary.

Stripe integrations use 3D Secure 2 method to authenticate a payment – a new version of a well known 3D Secure protocol. In comparison to the older version 3D Secure 2 introduces a better user experience that will help minimize some of the friction that authentication adds into the checkout flow. 3D Secure 2 is now dynamically taking place of the older version, with European banks implementing new version for their cardholders to fully comply with the PSD2.