Stripe and SCA Regulation

ryan · Apr 10th 2019

Hey,

With the new SCA regulations, will Perch Shop support the changes?

Would it be possible to introduce the Stripe Checkout process to allow Stripe to just handle the whole checkout process?

Any advice/support super appreciated!

Cheers,

Ryan

drewm · Apr 10th 2019

As you're the first person to mention it, there's currently no plans, but we'll have a look. It will depend on how complex the changes are.

Clive Walker · Apr 11th 2019

I've not used it but, reading about it, Stripe Checkout would seem a good option.

hus_hmd · Apr 11th 2019

ryan, does this mean any EU online store must implement a 3D Secure enabled payment flow now?

Quote

Transactions that don’t follow the new authentication guidelines may be declined by your customers’ banks.

...

Although not legally within scope of the regulation, we expect a small minority of European banks to require SCA for all payments with their cards regardless of where the business is based. If you’re based outside of Europe but a large portion of your sales are to European customers, we recommend preparing for SCA to minimize the risk of any payment being declined.

It sounds like this could affect anyone that target EU customers.

granttransition · Apr 11th 2019

Well spotted ryan.

Looks like these changes would affect WorldPay aswell as Stripe. Haven't read into whether this would affect PayPal / Braintree yet.

ryan · Apr 12th 2019

Quote from hus_hmd

ryan, does this mean any EU online store must implement a 3D Secure enabled payment flow now?

'3D Secure 2', yeah. Before September 14, 2019. Otherwise payments may get declined.

granttransition · Apr 18th 2019

My customers have started receiving notifications from Stripe now, and hence are asking questions…

tom · Apr 29th 2019

We're getting questions on this too

martinj · May 8th 2019

I've started looking into this too for a customer. As far as I understand the legislation change will affect all payment processing platforms when interfacing with EU based banks (not only Stripe) and all EEA based businesses.

Stripe already has SCA compatible solutions available, and a lot of information:

The Omnipay Stripe gateway has not yet been updated to use Stripe's SCA compatible tools. People have asked the question: https://github.com/thephpleague/omnipay-stripe/issues

ryan · Aug 6th 2019

Looks like there's a bit of movement on this:

https://github.com/thephpleague/omnipay-stripe/pull/128

drewm · Aug 6th 2019

Yes, it seems to be coming along.

DesignByNeil · Aug 6th 2019

My customers have also been receiving notifications from stripe and are now asking about it too.

hamish · Sep 7th 2019

Any update on this? The Omnipay-Stripe library looks to be updated to support payment intents (https://github.com/thephpleague/omnipay-stripe/pull/128).

I'm currently having to use manual checkout to fulfil Stripe purchases using their new version of checkout which is not ideal.