XF 2.1 Will Stripe and other payment methods be updated to PSD2 regulation? (September 14th deadline)

[Alpha1]

My Stripe dashboard shows this warning:

Update your integration to prepare for SCA
On September 14, European regulation will mandate

Strong Customer Authentication (SCA)
for many online payments. When it goes into effect, a form of two-factor authentication will be required for many card payments. Unless you update your integration, your customers’ banks will decline many transactions.

Strong Customer Authentication Solutions from Stripe

Stripe’s payments platform helps you manage the complexity of Strong Customer Authentication (SCA).

stripe.com

Strong Customer Authentication

What internet businesses need to know about the European regulation

stripe.com

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. Stripe has designed SCA-ready payment APIs and products to help you manage this complexity and minimize the impact of SCA on your checkout conversion.

 

[Robust]

In 2.1.2 (I think?) XF moved to the PaymentIntent API, which has support for these SCA requirements. As long as it prompts for the 3DS correctly (I believe it does, can't remember) it's ready for the new regulation. Definitely worth having XF confirm this, though.

I don't think versions prior to XF 2.1.2 will be compliant with this.

 

[Chris D]

It is on our radar. We didn't actually move to PaymentIntent API in 2.1.2 though. We would be aiming to between now and then.

 

[Alpha1]

Thanks for the feedback! Is it correct to assume that this is on the radar for all payment methods? (where applicable)

 

[AndreaMarucci]

Any news on this?

 

[Chris D]

The work is in progress and is on target for the next release which will be before the end of August.

 

[AndreaMarucci]

Fantastic, Thanks Chris!

 

[AndreaMarucci]

The work is in progress and is on target for the next release which will be before the end of August.

Chris I've just updated to 2.1.3. This is the release you're talking about to be SCA ready? I'm receiving many emails from Stripe telling me about SCA and the i'm using Stripe only from XF so it's a little urgent

 

[Alpha1]

Stripe sent out this warning:

Our information shows that xx% of your yearly payments volume could be impacted by upcoming SCA requirements.

Although we anticipate a gradual enforcement of SCA, we expect the first banks to start declining payments without two-factor authentication on 14 September. As a result, we still recommend updating your integration before 14 September to help avoid increases in declined payments. These changes can require frontend, backend, and client bindings version changes, so we recommend that you start updating your integration as soon as possible.

 

[AndreaMarucci]

Yes, that's exactly what I'm talking about...

 

[Alpha1]

Chris mentioned above that an update is coming at the end of the month.

 

[AndreaMarucci]

Sure, just asking if maybe it's the 2.1.3 version

 

[Alpha1]

I guess this will be 2.1.4

 

[Alpha1]

It looks like it is going to be tight...

 

[Robust]

It looks like it is going to be tight...

PayPal still haven't added SCA support in any form at all so far either, so I'd say it's not too tight. Which, on another note, is actually disappointing, since they're a payment processor and make exactly zero effort to help merchants against unauthorised chargebacks and stop unauthorised use on their platform.

 

[GeekyPhilip]

Any news on this from the XF team?

 

[Chris D]

Still a work in progress, mostly finished.

 

[GeekyPhilip]

Still a work in progress, mostly finished.

That is great news.
Thank you for the fast response.

 

[Alpha1]

FYI: I'm now getting the first warnings on declined payments:

! Update your integration now for SCA
This payment didn’t use an SCA-ready product. Unless you update your integration, payments like this are at risk of being declined.

 

[AndreaMarucci]

The deadline is near... No news?