Your Guide to SCA Compliance at FormAssembly
Updated: August 2022
Our Stripe Connector has been updated and is now fully SCA-compliant. The connector now uses Stripe’s updated Payment Intents (formerly Charges) and Setup Intents (formerly Subscriptions) aliases. All existing or new Stripe connectors will be automatically updated to be SCA-compliant and will begin using authentication methods if required by the respondent’s bank. These updates do not affect existing Stripe aliases or current Stripe Connector setups and do not require you to take any action to enjoy the benefits of the update.
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.
- 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.
Which payment connectors are SCA-compliant?
If you have more questions about SCA or payment connectors, please don’t hesitate to reach out to our support team.