On September 14, 2019, European law implemented new requirements for authenticating online payments under the Revised Directive on Payment Services (PSD2).
Leadpages and Stripe, the payment processor used to take payments in Leadpages, have got you covered in order for you to be compliant with these new requirements known as Strong Customer Authentication (SCA).
Learn more below on how payments are authenticated to meet SCA requirements in Leadpages.
The fine print
- Strong Customer Authentication (SCA) only applies to you if you are taking payments with Leadpages via the checkout widget.
- SCA in Leadpages is implemented and managed by the online payment processor Stripe.
- SCA is dependent on your customer's bank and will only appear when Stripe identifies the need for authentication. Therefore, authentication will not appear for all of your customers.
- For even more in-depth information on SCA, visit Stripe's SCA Guide and resource for this article.
Defining Strong Customer Authentication (SCA)
The Strong Customer Authentication (SCA) regulation is a European requirement for there to be two out of these three types of authentication for online payments: something the customer knows (ex. password or PIN), something the customer has (ex. phone or device token), and something the customer is (ex. fingerprint or face recognition).
When and where SCA is required
SCA is an online payment regulation and therefore it only applies to payments made via a checkout widget in Leadpages.
The requirement for this type of authentication is based on the purchaser's bank, as it is solely a European regulation.
Any of your customers who are not in the European Economic Area (EEA), or SCA is not required of them by their bank, will not be prompted to authenticate their purchase of your product (ex. US purchasers).
Authenticating payments with SCA in Leadpages
Implementing SCA inside of Leadpages is easy. By utilizing the checkout widget, Stripe will automatically present SCA for any purchasers of your product who are required to authenticate their purchase by their bank.
Pages published before SCA
Any pages published with a checkout widget prior to September 14, 2019, will be updated by Leadpages automatically in order to implement the SCA regulation. No further action is required by you.
Frequently asked questions
What if I don't use the checkout widget and I use the HTML widget to embed a different type of payment processor's checkout?
In order to implement SCA regulations with a third-party service you've embedded in Leadpages, you'll want to consult that service's documentation and/or support team in order to make sure you're compliant.
Do I have to do anything for purchases that occurred before September 14, 2019?
No. The SCA regulation only affects online payments made after September 14, 2019.
Need more help?
You can always get in touch with our support team—just click help_circle in the top-right corner of your Leadpages dashboard, or submit a ticket ↗