SCA

On December 31, 2020, a new directive came into force in the EU. The SCA was supposed to come into force in September 2019, but there was too much confusion about how the individual requirements would be handled across the different EU countries, so the requirement was postponed and now the date is set for January 1, 2021.

Online payment fraud has been too high and too unsatisfactory for consumers, authorities and businesses, and the EU has now taken the initiative to increase control of online payments. Therefore, SCA has been introduced, which aims to ensure control over who makes which payments online.

SCA is increased requirements for the customer, who must prove to the webshop that he/she is the rightful owner of the credit card. They can do this by, for example, an extra code, as you know it from 3D secure, where you have a mobile number linked to your credit card. When you pay with the card, you receive a one-time code via SMS that you have to enter. Here, you have first entered the credit card digits, which anyone with a credit card in hand can do. But the payment itself cannot be completed unless you also have the mobile phone that belongs to the credit card. So you authorize the payment via two methods.

There are certain payments that are not covered by SCA. These include subscription payments (which would make it a bit of a hassle to have to approve such payments every month) and payments of amounts under 30 euros.

We know online marketing in Shoporama

We've been working with online marketing ourselves for decades. As the only shop system in the country, we have spoken multiple times at conferences such as Marketingcamp, SEOday, Shopcamp, Digital Marketing, E-commerce Manager, Ecommerce Day, Web Analytics Wednesday and many more.