The affected countries/regions include: Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and the United Kingdom (including Gibraltar, Guernsey, Jersey, and the Isle of Man). Get Braintree updates, industry news, and more. SCA, also known as two-factor authentication, is a part of the PSD2 law that will bring an additional layer of security needed at the time of a transaction. Customized pricing based on your business size and model. Strong Customer Authentication (SCA) Exemptions, Impacted Areas for SaaS Recurring Billing Businesses. It will also depend on the checkout solution and the payment gateway you are working with. Subsequent transactions (when the customer is not in session) will then be considered merchant-initiated and out-of-scope for SCA. Apply for exemptions whenever possible. If your checkout is not capable of handling the SCA flow, then the payment will fail. By completing this form, I have read and acknowledged the, Braintree is a service of PayPal. Braintree merchants located in Switzerland, Andorra, Monaco, and San Marino will also need to meet SCA requirements because their acquirer is located in the EEA. Even though subscription renewals are exempted, there is a chance that some recurring payments may still require SCA to complete a purchase. God forbid, if you decide to migrate to a different gateway, then you'll have to go through the entire process of connecting the gateway’s APIs once again, to comply with SCA standards. EMV 3DS by Ingenico ePayments. With all the exemptions under PSD2 that you can apply for your online transactions, in the end, it’s up to the customer’s bank to accept it. Merchants offering a recurring or metered billing model (e.g: a subscription service or utility bill) will only need to apply SCA to the first transaction (or verification while vaulting a card in the Braintree Vault). In the latest PSD2 Tracker, PYMNTS examines challenges banks face in SCA compliance and explores how data privacy regulation affects countries beyond Europe. using biometric authentication for online transactions. Decouple them from payment failure emails for smoother workflows. If 3DS verification is needed and your customer isn’t present to authenticate a transaction, then the payment fails. For existing customers, if they decide to upgrade to a higher plan or buy any add-ons, they may be asked for a 3DS verification. This solution provides a simple way to authenticate transactions with a no- to low-friction checkout experience for cardholders, and allows merchants to shift liability to the issuers on authenticated transactions to help reduce costs associated with chargebacks categorized as fraud. Corporate cards that are not processed using these additional security methods, such as traditional employee corporate purchase cards (P-cards), will still be subject to SCA. If you are a B2B business, you can reach out to your customers asking them to check with their banks if the ‘whitelisting merchants’ feature is supported by the bank, so that they can skip the authentication and have smoother transactions. The lower the acquirerâs overall fraud rate, the higher the limit of low-risk transactions that can be claimed as exempt, as shown here: In some cases, corporate payments rely on other security methods that would then exempt the transactions from SCA.
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