SCA - Strong Customer Authentication

Beginning September 14, 2019, PSD2 regulation will require Strong Customer Authentication (SCA) for many online payments made by European customers to help reduce fraud. To ensure payments will not be declined, businesses will need to build an extra layer of authentication into online card payments unless transaction-specific exemptions apply.

The impact of SCA on your business can vary depending on the type of purchase, whether you charge a customer during or after checkout, and even which bank your customer uses.

Rest assured SCA readiness in Easy Digital Downloads is a top priority for us. This includes support for the new Payment Intents API and the new Stripe Checkout. We plan to have SCA-related features ready well before the Sept 14 compliance deadline to allow time for implementation and testing.

That said, as Stripe adds SCA-related tools to their dashboard, you may need to configure a few items and/or update the version of the Stripe API leading up to Sept 14, which we (and Stripe) will make sure to notify you of along the way.

Stripe has provided an excellent overview of what SCA is and some of the changes coming to Stripe to meet SCA requirements. More details in this post and Stripe’s official SCA documentation.

We will keep this page updated as we near the SCA compliance deadline of September 14, 2019 and as more information is provided by Stripe.