On December 31, 2020, the new security requirements imposed on banks and payment processors by the Payment Services Directive 2 (PSD2) will be taking effect in the European Economic Area (EEA) countries. The European standard called SCA (Strong Customer Authentication) comes out, which is version 2 of the payment by 3D Secure. 

Muse GRAVITY has taken all the necessary steps to comply with the new standard and SCA has already been implemented in our eCommerce Apps. 
We will rebuild your app to benefit from this update and submit the new versions of all apps to the Stores at NO ADDITIONAL Fee
(These updates will not count towards your free yearly updates)

Let's find out in more detail, what SCA is all about and what it means for your app. 

Strong Customer Authentication (SCA) (as stated by Stripe) is a new European regulatory requirement to reduce fraud and make online payments more secure. In general, it means that to accept payments and meet SCA requirements, you need to build additional authentication into your checkout flow. But no worries, Muse GRAVITY has already taken care of this and made all the necessary adjustments to integrate the Strong Customer Authentication in the apps' checkout flow.

What are the additional authentication steps? 
SCA requires authentication to use at least two of the following three elements:

• Something the customer knows: password, pin 

• Something the customer has: phone or hardware token

• Something the customer is: fingerprint, face recognition
  
  

3D secure: For extra fraud protection, 3D Secure requires customers to complete an additional verification step with the card issuer when paying. Usually, redirection to an authentication page on their bank’s website, and they enter a password associated with the card or a code sent to their phone. You might be familiar with this process if you use Visa Secure and Mastercard Identity Check.

• Your business is based in the European Economic Area (EEA) or you create payments on behalf of connected accounts based in the EEA

• You serve customers in the EEA

• You installed Stripe and accept cards (credit or debit) 

With the publication of the management of this SCA payment, your clients will be able to pay in a more secure way.
But what does this mean for you and your clients exactly?

1. We must rebuild your app:

Once this is implemented, if you’re using Stripe for your Shopping App, we need to recompile your Android App, iOS app, and PWA in order to benefit from the upgrade to SCA. We will do this before the end of the year (December 31, 2020) so that your shopping app continues to receive card payments.
Please, make all the new design changes (if you want any) and get your app ready for new submissions, failing to which you will no longer be able to accept card payments after 31st December, 2020.

2. Submit the new version to the Stores:
For your iOS and Android apps, once the rebuild is done, we'll have to submit the new version of your app to the App Store or Google Play Store.

3. How does it impact your clients?
Finally, for your clients who have decided to register their card on their app: as the standard has changed, the cards which have been saved on their account, will be erased and they will have to re-enter their credit card information.

To avoid any confusion and your clients wondering why their card is no longer registered, you can start notifying them about this added security step using (for example a banner) widget on your home page or push notifications you can explain that to comply with the new European standard, it's now mandatory to get a Strong Customer Authentication to be able to save the card info on the app.