Strong Customer Authentication (SCA) is part of a new set of payment regulations governing transactions in the European Economic Area (EEA). Cardholders must complete an additional authentication step for online transactions when both the cardholder and merchant are located within the EEA. The cardholder’s bank determines eligibility.
As a Churn Buster customer, you will be fully compliant with SCA regulations on day one—no action required. We’ve updated our product to support 3D Secure 2.0, and SCA, with a focus on providing a low-friction experience for your customers.
What does the authentication step look like?
Customers will fill out Churn Buster capture forms just as they do currently.
When transactions requiring SCA are submitted, customers will see a 3D Secure 2.0 modal open up. This modal asks the customer to verify their identity through a push notification, a text message, or another method chosen by their bank.
Successfully authenticated payments will clear as expected. Unauthenticated payments will show relevant error messaging to the customer, and also be flagged in your payment processor.
Payments that do not require SCA will be processed as they have in the past.
Whenever a card is saved outside of Churn Buster and an SCA-eligible charge fails, Stripe Billing can email the authentication link. Please be sure to use this option if necessary.
For ReCharge customers: ReCharge handles the SCA process. Learn more on ReCharge’s website.