인앱 구매를 위해 유럽에서 강력한 고객 인증 거래를 준비하는 방법은 무엇입니까?

댓글

• Cecelia Perkins
  What is strong customer authentication PSD2? Reply

  • James Farmer

    @Cecelia Perkins Strong customer authentication (SCA) is a requirement of the EU Revised Directive on Payment Services (PSD2) on payment service providers within the European Economic Area. The requirement ensures that electronic payments are performed with multi-factor authentication, to increase the security of electronic payments. Reply

• Raymond Wong
  When did strong customer authentication come into effect? Reply

  • Donnie Page

    @Raymond Wong 14 September 2019 Banks will need to start declining payments that require SCA and don't meet these criteria. Although the regulation was introduced on 14 September 2019, we expect these requirements to be enforced by regulators over the course of 2020 and 2021. Reply

• Priscilla Rodriguez
  What is secure customer authentication? Reply

  • Myrtle Glover

    @Priscilla Rodriguez The way your bank or payment services provider verifies your identity or validates a specific payment instruction is changing. ... The new rules, introduced in 2019, are intended to further enhance the security of payments and limit fraud. They are known as Strong Customer Authentication (SCA). Reply

• Jack Dawson
  What is meant by the SCA regulation? Reply

  • Kate Blair

    @Jack Dawson Strong Customer Authentication (SCA) is a new European regulatory requirement to reduce fraud and make online payments more secure. To accept payments and meet SCA requirements, you need to build additional authentication into your checkout flow. Reply

• Shawna Hall
  What does SCA stand for in payments? Reply

  • Howard Mills

    @Shawna Hall Strong Customer Authentication Part of the Revised Payment Services Directive (PSD2) published in 2018, Strong Customer Authentication (SCA) is intended to make payments more secure, requiring online sellers to implement more stringent methods of ensuring the payments they are taking are genuine. Reply

• Amelia Cain
  What payment value are transactions considered low value and are therefore exempt from SCA? Reply

  • Earl Banks

    @Amelia Cain Exemptions. Card transactions below €50 are considered low value and are generally exempt from authentication. However, if the customer initiates more than five consecutive low value payments or if the total payments value exceed €100, SCA will be required. Reply

• Dustin Hayes
  What is Strong Customer Authentication? Reply

  • Miranda Ford

    @Dustin Hayes Strong Customer Authentication (SCA) works to ensure that it is genuinely you whenever you log in or authorise payments while banking online. It is designed to help keep your financial information safe and make online banking even more secure. Last updated: May 26, 2020.May 26, 2020 Reply

• Dora Simmons
  Is Apple pay SCA compliant? Reply

  • Gayle Sherman

    @Dora Simmons Purchases made with Apple Pay, which already meets SCA requirements, will not require additional authentication. Purchases made with mobile phone billing, other payment services, or an Apple ID balance (from gift cards or adding funds) will not require additional authentication. Reply

• Jerome Webster
  What does user authentication mean? Reply

  • Beatrice Simmons

    @Jerome Webster User authentication is a process that allows a device to verify the identify of someone who connects to a network resource. There are many technologies currently available to a network administrator to authenticate users. The Firebox also has its own authentication server. Reply

• Arturo Holt
  Which type of authentication is most secure? Reply

  • Jackie Kelley

    @Arturo Holt Nowadays, the usage of biometric devices such as hand scanners and retinal scanners is becoming more common in the business environment. It is the most secure method of authentication. Reply

• Pam Day
  What is SCA payment? Reply

  • Diana Stanley

    @Pam Day SCA stands for Strong Customer Authentication, and it is one of the regulations under the Revised Payment Service Directive (PSD2). It states that a customer must verify their identity before payment information can be exchanged between a financial institution and a third-party provider (TPP). Reply

• Rickey Holloway
  What does SCA required mean? Reply

  • Timmy Norris

    @Rickey Holloway Strong Customer Authentication (SCA) is a requirement of PSD2*, which asks businesses to use at least two authentication elements to verify electronic payments. The point of this is to reduce fraud and make online payments more secure for you. ... This means all bank transfers and most card payments will require SCA. Reply

• Lillian Moran
  What is PSD2 and SCA? Reply

  • Guillermo Craig

    @Lillian Moran The new EU Payments Services Directive (PSD2) took effect in January 2018, bringing in new laws aimed at enhancing consumer rights and reducing online fraud. A key element of PSD2 is the introduction of additional security authentications for online transactions over €50, known as Strong Customer Authentication (SCA). Reply

• Pearl Colon
  What SCA means? Reply

  • Santiago Norris

    @Pearl Colon The Society for Creative Anachronism (SCA) is an international non-profit volunteer educational organization. ... If it was done in the Middle Ages or Renaissance, odds are you'll find someone in the SCA interested in recreating it. Reply

• Brian Briggs
  Why is SCA important? Reply

  • Krista Hogan

    @Brian Briggs Strong Customer Authentication (SCA) is a new European regulatory requirement to reduce fraud and make online payments more secure. To accept payments and meet SCA requirements, you need to build additional authentication into your checkout flow. Reply

• Pauline Holt
  What is SCA compliance? Reply

  • Roger Watkins

    @Pauline Holt SCA COMPLIANCE. PREVAILING WAGE RESOURCE BOOK. PRINCIPLES. INTRODUCTION. Service Contract Act (SCA) wage determinations set forth the prevailing wages and benefits that are to be paid to service employees working on covered contracts exceeding $2,500. Reply

• Terri Rice
  Is Apple pay SCA compliant? Reply

  • Van Burke

    @Terri Rice Purchases made with Apple Pay, which already meets SCA requirements, will not require additional authentication. Purchases made with mobile phone billing, other payment services, or an Apple ID balance (from gift cards or adding funds) will not require additional authentication. Reply

• Iris Frank
  Why does it need updating? Reply

  • Shawna Cox

    @Iris Frank The original Payment Services Directive (PSD) was created in 2007 to focus on improving payments—particularly credit transfers, direct debits and cards. Reply

  • Shawna Cox

    @Iris Frank As the digitization of the European economy has progressed massively over the last few years, the PSD has needed to update to include new players—such as fintechs like Ebury. Reply

  • Shawna Cox

    @Shawna Cox PSD2 is coming into force to make payments safer, increase client protection, foster innovation and competition, and ensure a level playing field for banks and other payment service providers alike. Reply

• Charles Sparks
  What does this mean for me? Reply

  • Rosa Robbins

    @Charles Sparks You will need to activate two-factor authentication (2FA) over the next few weeks, as it will become compulsory when logging in to their Ebury Online account AND when instructing new payments. 2FA is already available to set up when logging in to Ebury Online, and will soon become a feature when making payments. Reply

• Erin Matthews
  Why is SCA needed? Reply

  • Barry Beck

    @Erin Matthews From the announcement of PSD2 SCA in 2017, we have been actively involved with industry discussions and have been influencing the direction of travel as the debate has developed. Reply

  • Barry Beck

    @Erin Matthews As the practical implications become clearer, we have taken the necessary steps to first ensure the 3DS 2.0 mandate is met, as well as exploring options to achieve the right balance between managing fraud risks and minimising disruption in the payment journey. Reply

  • Barry Beck

    @Erin Matthews Barclaycard can offer insight on the support merchants may need. We can partner with merchants on the roll out of new industry protocols, as well as continuing to help with demystifying PSD2 SCA. Reply

• Stacey Craig
  What is the SCA requirement? Reply

  • Kristina Joseph

    @Stacey Craig PSD2 requires the use of two independent sources of validation by selecting a combination of two out of the three categories (commonly known as two-factor authentication). Reply

• Diane Garza
  What is changing? Reply

  • Sophie Daniel

    @Diane Garza The payment journey may look a little different. Authentication used to be required on an exception basis, i.e. where the risk of the transaction was regarded as ‘high’, additional authentication might have been triggered via 3D Secure as the current protocol. Reply

  • Sophie Daniel

    @Diane Garza This is commonly known as a "step-up". Since September 2019, additional authentication has become the default. All qualifying transactions are being “stepped up” unless an exemption applies. Reply

• Lee Jennings
  What is Barclaycard doing about SCA? Reply

  • Bob Benson

    @Lee Jennings From the announcement of PSD2 SCA in 2017, we have been actively involved with industry discussions and have been influencing the direction of travel as the debate has developed. Reply

  • Bob Benson

    @Lee Jennings As the practical implications become clearer, we have taken the necessary steps to first ensure the 3DS 2.0 mandate is met, as well as exploring options to achieve the right balance between managing fraud risks and minimising disruption in the payment journey. Reply

  • Bob Benson

    @Lee Jennings Barclaycard can offer insight on the support merchants may need. We can partner with merchants on the roll out of new industry protocols, as well as continuing to help with demystifying PSD2 SCA. Reply