Easily Update your Integration for Strong Customer Authentication (SCA)
Prevent Unnecessary Payments Declines
There is a growing urgency to address the diverse user authentication needs for greater security and hassle-free transactions. Strong Customer Authentication (SCA) is one such rule that is critical as part of PSD2 regulation in Europe across all verticals, not just in banking, where it is already commonplace. Enterprises must take care of SCA integration with proven effectiveness and ease of implementation.
Minds Task Technologies offer expert services to assist you with SCA integration and help prevent transactions from needless declines. Our services are specially designed to meet SCA requirements so that your business continues to grow. We help you in:
Understanding how your business is impacted
Analyzing which SCA-ready product is right for your business
Defining and implementing the right SCA integration path
Our SCA Integration Services
The goal of our SCA integration services is to enhance the approval rates and minimize the possibilities of payment decline. Our expert software engineers understand what the SCA deadline means for your business and enable you with the right strategy to enhance application and data security, reduce fraud, and address specific threats and regulatory requirements.
Make sure you do not miss the deadline for Strong Customer Authentication. Minds Task Technologies helps you timely and risk-freely update your SCA integration to avoid payments decline, whether one-time payment, recurring payments, or payments with a separate authorization rule.
SCA-ready products and APIs Implementation
Easily update your SCA integration with the right product and secure APIs. We have knowledge and expertise in Stripe-based prebuilt and customizable solutions to help you meet SCA requirements. We ensure your integration is SCA-ready using secure APIs.
SCA Integration Testing
Extensively verify and validate SCA integration to get a complete peace of mind in the payment process. We offer robust SCA integration testing services as per your business needs. We follow Strong Customer Authentication best practices and advanced automation testing tools to make your system safe and secure after integrating SCA.
Minds Task Technologies follow a proven approach to update your integration for the support of Strong Customer Authentication. We follow an adaptive approach that can mitigate safety risks while minimizing negative impacts on SCA that includes:
First, we understand your business ecosystem to deeply analyze the flow of payments
Outline the best suitable strategy to put in place the right integration path
Roll out SCA integration strategy in aligned with whether it is one-time payment, recurring payment, or other payments rules
Rigorously test the implemented system for dynamic authentication and mitigating unnecessary complications
FAQ About Strong Customer Authentication (SCA)
What is Strong Customer Authentication (SCA)?
Strong Customer Authentication (SCA) is a new set of rules that will change how consumers confirm their identity when making purchases online. Changes were introduced to online payments in order to provide further protection to customers. Under the Payment Service Directive 2 (PSD2), Strong Customer Authentication (SCA) is required where a payment service user (customer) initiates an electronic payment transaction.
When does Strong Customer Authentication (SCA) apply?
SCA rules are comprehensively applicable for card payments/transactions. In the UK, it applies from 14 March 202. In the rest of the EU, it applies from 31 December 2020. As per the communication, these deadlines will not change.
How does SCA impact you?
If you do not comply with SCA guidelines, your e-commerce card-based payment transactions (non-compliant only) will be declined. You must implement the new rules to ensure smooth and hassle-free transactions. If you are operating in Europe, Minds Task Technologies recommends you take urgent action so that you do not have to face payment declines which may otherwise impact your business ROI.
How to update your SCA integration?
SCA integration is a technical process, and it involves analysis, roadmap definition, technological implementation, and rigorous testing. You should contact an expert SCA integration service provider to discuss the implementation scenarios. Sometimes, it may also require specific changes to your payment gateway process. If you have more queries regarding SCA migration, contact our team.