Preparing for the SCA regulations

Quoting from Stripe’s page on the topic:

Strong Customer Authentication (SCA), a new rule coming into effect on September 14, 2019, as part of PSD2 regulation in Europe, will require changes to how your European customers authenticate online payments. Card payments will require a different user experience, namely 3D Secure, in order to meet SCA requirements. Transactions that don’t follow the new authentication guidelines may be declined by your customers’ banks.

To prepare for SCA, you should:

  1. Determine if your business is impacted
  2. Decide which one of our new SCA-ready products is right for your business
  3. Make changes before September 14, 2019, to avoid declined payments

What, if anything are you doing/have you done for this?

In my case, I’m relying on Quaderno Checkout to make the necessary changes in time.

In my case, I marked the E-mail messages from Braintree regarding SCA as IMPORTANT.


Done and dusted, just needed to move to the Stripe payment intents API. Took a few days.