Do I Need to Support SCA?

    Answer a few questions to see if your business needs to support Strong Customer Authentication.

    On September 14, 2019, Strong Customer Authentication (SCA) took effect in Europe. Under this regulation, card payments require additional authentication. Transactions that don't follow the new guidelines may be declined.

    If you're affected by SCA, your Stripe integration needs some modifications to ensure you can handle authentication, so that your transactions succeed and your business keeps collecting payments. Click the button to get started.

    Is your business based in the European Economic Area (EEA)?

    The EEA is a regional single market with free movement of labor, goods, and capital. It encompasses the European Union member states and three additional states that are part of the European Free Trade Association.

    Do you have customers in the European Economic Area (EEA)?

    Do you create payments on behalf of a business in the European Economic Area (e.g., does your platform create one of the following type of charges)?

    Does your business accept either credit or debit cards as payment?

    Do you have customers in the European Economic Area (EEA)?

    You're affected by SCA.

    1. Your business is based in the EEA, or you create payments on behalf of connected accounts based in the EEA.
    2. You serve customers in the EEA.
    3. You accept credit or debit cards.

    To prepare, what type of payments does your business make?

    You're not directly affected by SCA.

    The new requirements do not apply to businesses like yours located outside of Europe. However, the implementation of these new rules can vary across banks.

    You can update your integration to be SCA-ready to mitigate any potential declines in the future.

    Your Stripe integration doesn't need to support Strong Customer Authentication (SCA).

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