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PayPal Pro - Patch for Strong Customer Authentication (SCA)

Thursday, October 3, 2019


PayPal Pro - Patch for Strong Customer Authentication (SCA)

 The European payments and regulatory landscape are rapidly changing, with the revised Payment Services Directive (PSD2) in full effect, industry players have also implemented the Strong Customer Authentication (SCA) requirements. SCA mandates that merchants with operations in the European Economic Area (EEA) provide EU card issuers with two distinct authentication factors from customers for transaction approval.

As at September 14, 2019, the SCA enforcement took full effect, This update allows issuing banks to verify cardholders during transactions, also means benefits for merchants: It can help transfer liability for fraud disputes to issuers, help reduce costs associated with chargebacks, and even help increase conversion.


What is the PSD 2.O?

The PSD2 introduces strict security requirements for the initiation of electronic payments in order to reduce the risk of fraud. These requirements include strong customer authentication, which is an authentication process that validates the identity of the user of a payment service or a payment transaction, which will be compulsory in the EEA on the 14 September 2019.

Most payments will need at least 2 forms of authentication – or form factors* – to process a payment from institutions (banks) that issue credit and debit cards. SCA enforcement will not be enforced in the UK until March 2021, and there is also an enforcement delay in some other countries. However, as it phases in payments from customers outside the UK may be affected. So, you'll need to make sure your systems are up to date.

How does this work?

PayPal’s WLW has partnered with Cardinal Consumer Authentication (CCA) to provide 3DS 2.0 transaction authentication. This process uses an integrated transaction pre-process in which the app server passes card-issuer specified data to Cardinal’s certified 3DS platform to swiftly authenticate the consumer.


Why should you be interested?

Experts say if you are Merchants based in the UK or in the European Economic Area (EEA) these include all 28 member countries of the European union (EU) plus Norway, Iceland and Liechtenstein.

If your checkout experience doesn't include 3-D secure support, you will experience transaction failures on debit and credit card transactions when card issuers implement 3-D Secure.

As your credible shopping cart partner, VPCART is now fully integrated with Paypal Payment Pro 3DS 2.O

To install the patch for vpcart 8.0, follow the instructions on this link, https://www.vpcart.com/readme/800/$readme_paypalpro3dspatch800.html

To install the patch for vpcart 9.0, follow the instruction on this link, https://www.vpcart.com/readme/900/$readme_paypalpro3dspatch900.html

If you have any questions regarding this, please submit a helpdesk ticket to us at https://helpdesk.vpcart.com.

Thank you




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