Strong Customer Authentication (SCA) is coming to Stripe – Action Needed!

Strong Customer Authentication (SCA)

Strong Customer Authentication (SCA) is coming to Stripe – Action Needed!

We all know that staying secure online is a key concern for many people. Especially so when it comes to making purchases. Unfortunately, although measures have been put in place over many years, online fraud is just not going away. This year, a new regulation is coming into force to further tackle the fraudsters.

What is SCA?

Strong Customer Authentication (SCA) is a new European regulatory requirement. The aim is to reduce fraud and make online payments more secure.

This new regulation means that all electronic payments will require multi-factor authentication. SCA will require at least two of the following three elements:

  • Something the customer knows – A password or PIN, for example.
  • Something the customer has – Phone or hardware token, for example.
  • Something the customer is – Fingerprint or face recognition.

When will it happen?

SCA will come into force on 14th September, so make sure you are ready!

What do you need to do?

Whether you are selling tickets, pork pies or chic French furniture, if you are taking payments on your website you will need to make sure you are ready for SCA.

Luckily, making sure you are ready for the new regulations is, in most cases, easy. You’ll simply need to make sure your payment software is up to date. If you have updated your Stripe version (our recommended payment gateway) since June 2019, you don’t need to do anything at all.

If you haven’t run any recent updates to your website, you’ll need to make sure you do. Both WooCommerce (in the case of most of our customers) and the payment gateway (Stripe, for example) will need to be updated to the latest version.  

Don’t forget to also update any WooCommerce extensions to make sure they remain compatible with the latest version of WooCommerce.

What about if you use an alternative payment gateway?

PayPal and Worldpay take payment off-site so there are no updates required.

Although SagePay can take payments on site, there hasn’t been an update released to support SCA yet. Keep an eye out for an update once it becomes available closer to the time.

Now go. Update!

So now you have the basic low-down you can go on your merry way and update your software to make sure you are regulation ready. If we built your WooCommerce site, be sure to drop us a line and request the software update – unless we already regularly maintain your site, in which case, we’ve got it covered!

If you would like further information, check out the detailed guide on Stripe’s website.