There is a new European Economic Area (EEA) legislation called Payment Service Directive 2 (PSD2), which uses Strong Customer Authentication (SCA) and 3DS2 (3D Secure 2.0) for credit card holder identification, coming into into effect on 1 January 2021 for European countries. Essentially this is a cardholder identity protocol to meet security requirements for multi-factor authentication of credit card payments.
Zentso has enhanced its payment gateways to ensure compliance with these new measures, and has also worked to ensure it can roll out SCA compliance to its Salesforce clients.
One thing to bear in mind is that the legislation will not be enforced in the UK, France or Switzerland until later in 2021, however, if clients have any exposure to payments from other European countries, they should talk to us regards how best to become SCA compliant.
Further reading: https://www.fca.org.uk/consumers/strong-customer-authentication
Zentso is a consultancy, and as such you can book our consultants to do great work for your organisation on a time and materials basis. We normally require a 2 week lead time for work planning, since our consultants, given their talents, do get booked up in advance. From this perspective, we don't provide the same sort of support as a software vendor company with a dedicated helpdesk would.
However, we recognise that for our clients, business critical emergencies do crop up from time to time. As a client you can request emergency support through our premium service. Talk to us today if you would like to set this up.
We have done a load of Direct Debit integrations for membership associations and charities over the years. Associations are different to charities - for membership, the direct debit amount changes frequently, and there are services running off the back off it, as opposed to recurring donations which are relatively easy. When it came down to it, there was only one real DD partner that could do all the things through its API that we demanded of a fully automated solution, and that was GoCardless. Here's why:-
- Hosted online mandate-signup pages that were bulletproof and could slot into checkout processes seamlessly
- Fully documented and versatile REST API with all functionality exposed.
- Real time webhooks for all transactions and mandate adjustments
- Support for not just DD, but SEPA, Giro, BECS, NZ DD, ACH.
- Multicurrency support via transferwise that brought singlecurrency back into our CRM.