PSD2 and Strong Customer Authentication

The deadline for PSD2 is approaching, which means Strong Customer Authentication (SCA) will become mandatory within the EU. Danish issuers will require SCA by January 11, 2021. For details on PSD2 and SCA see: https://docs.reepay.com/reference#strong-customer-authentication

Reepay will make sure all accounts are ready for SCA by enabling 3D Secure and/or Secured by Nets on those accounts not already using SCA.

The newest version of 3D Secure (version 2) supports a frictionless authentication flow, where the customer is not presented with any challenges (two-factor authentication). For issuing banks to make a decision on whether a frictionless authentication can be granted, they will need information about the customer and the context of the payment. Some of this data is provided by Reepay, e.g. customer browser information, but some of the data needs to be provided by you the merchant. 

The data is not mandatory, but we urge you to consider sending the additional information to maximize the chance of a frictionless authentication flow. For details on sending SCA data see: https://docs.reepay.com/reference#strong-customer-authentication

Merry Christmas, Reepay