Processing Credit Card Charges with Strong Customer Authentication (SCA) Estimated Reading Time: 2 Minutes Strong Customer Authentication (SCA) is a form of multi-factor authentication required for merchants within the European Union (EU) who collect credit card payments from clients also within the EU. Payments that requires SCA can only be completed by the card holder. Ubersmith integrates with a number of tokenized gateways that support SCA. SCA is not required for merchants or customers outside of the European Union. Processing Automatically Initiated Charges with SCA Automated credit card charges, initiated by the daily invoicing script that trigger SCA challenges, emails your clients directing them to log into the Client Portal to complete the payment. Unlike other automatic transactions that fail, SCA-challenged transactions are not added to the Retry Queue because they require the payer’s intervention. These failed charges appear in the Charge Log with the message prefix [3DSecure 2.0]. The rest of the message varies depending on the provider. Processing User initiated charges with SCA Access the Invoices page When marking the payment, If the bank requests SCA for the charge, an error displays and an email is sent to your client instructing them to log into Ubersmith’s Client Portal to complete the charge. Processing Client Initiated Charges with SCA From the Client Portal, access the View Invoices page For the invoice you want to pay, click Pay Online. The invoice appears. Mark the payment. The 3D Secure 2.0 authentication process page appears. Click Proceed with Authentication. A page presenting the challenge from the credit card gateway provider appears. Each gateway will display and require different things depending on its individual processes. Click Submit. The invoice appears. Click Mark Payment. Signing Quotes with SCA Once you have emailed the approved quote to the client, the client can access the quote online and sign the contract and pay for the service From the Payment Information section on the Quote Signature page, the client selects credit card, electronically signs the quote and clicks Sign Contract. The 3D Secure 2.0 authentication process page appears. Click Proceed with Authentication. A page presenting the challenge from the credit card gateway provider appears. Each gateway will display and require different things depending on its individual processes. Click Submit. The Quote Signature page appears.