Your Guide to SCA Compliance at FormAssembly

As many of our customers use FormAssembly for payment forms, we understand the importance of providing SCA-compliant options. Currently, our only SCA-compliant option is our PayPal Connector, but we are looking at broadening options in the future. Read on for more information about SCA and how to use FormAssembly in a SCA-compliant way. 

What is SCA?

If you collect payments from customers in the EU and EEA, you’ve likely already heard of SCA. SCA is a requirement in Europe’s second Payment Services Directive, or PSD2, that concerns the safety of digital payments. SCA applies to customer digital payments made to businesses in the EEA by cardholders who also bank in Europe.

SCA requires:

  • The implementation of additional authentication steps to further verify the identity of a customer. These steps can be in the form of “something the customer knows, has, or is.”
  • That the payment method being used allows for 3D Secure 2 (3DS2), which is a newer, more usable version of the previous protocol that enables a post-checkout step to gather additional authentication information.

What are the key deadlines around SCA? 

SCA is already in effect and enforceable in all applicable countries. As of March 14, 2022, UK and Switzerland joined Germany, France, Belgium, the Netherlands, Italy, Ireland, and the remainder of the EEA in beginning to fully enforce SCA. 

If your business was impacted by enforcement, we recommend making sure that you are using our SCA-compliant PayPal Connector or reaching out to our support team for more guidance. 

Which payment connectors are SCA-compliant? 

Currently, our only SCA-compliant option is our PayPal Connector

To read about the necessary rollback of our Stripe SCA compliance, please visit this blog post

If you have more questions about SCA or payment connectors, please don’t hesitate to reach out to our support team

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