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SCA support for Stripe payments

European payments are changing. This triggers changes in the way of how Invoicebus handles payments from your customers.

Strong Customer Authentication (SCA) is a new payment rule in Europe that is part of PSD2 regulation and imposes changes in how your European customers authenticate their online invoice payments through Invoicebus.

Card payments for your invoices now require a different user experience, namely 3D Secure. This should significantly reduce fraud and provide a more secure environment for online payments. This will also help prevent an increase in card declines as the enforcement of this rule ramps across European banks.

What does this mean for you?

SCA changes the payment flow for your invoices. Here’s how:

  1. Your customer receives an online invoice sent through Invoicebus.
  2. Customer clicks Pay with a credit card to initiate a payment.
  3. Customer is redirected to the Stripe website to fill in their card details and complete the checkout form. (NEW)
  4. Checkout dynamically detects when SCA is needed. If required, 3D Secure 2 is used to authenticate the customer using a one-time passcode or biometric ID, depending on what their bank supports.
  5. Once a customer’s identity has been confirmed through 3D Secure, the card is charged and the invoice is marked as paid.

 

Stefan Chachovski
Co-founder of Invoicebus. Huge lover of nature, science, and chocolate cherry cordials. He occasionally writes on this blog about Invoicebus' stuff. Hello him on Twitter or subscribe to his updates on Facebook.
Stefan Chachovski
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