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

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