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Strong Customer Authentication (SCA) is a requirement form of multi-factor authentication required for merchants within the European Union collecting (EU) who collect credit card payments from clients also within the EU.   It is a form of mult-factor authentication that will be needed when attempting to charge an EU client's credit card through Ubersmith.  SCA is not required in cases where either the merchant or the customer are 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.  SCA compliance is supported within Ubersmith by a number of tokenized gateway integrations. 

Processing

Automatically Initiated Charges with SCA

1. Within the client interface, initiate a credit card payment for an invoice.
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2. If the bank requests SCA for a manual transaction, Ubersmith will open a popup presenting the challenge from the credit card gateway provider. Different gateways will display and require different things from the user depending on their individual processes.Image Removed
3. If the payer completes the challenge successfully, they will be redirected to the invoice after the challenge is completed. 
4. If the payer fails the challenge, they will be redirected back to the invoice to choose another payment method.

Signing Quotes with SCA

From the quote signature page, the client specifies they would like to pay their initial order total via credit card.  When the page is submitted and the quote is signed, the pre-authorization call is made to the gateway.Image Removed

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.

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Processing User initiated charges with SCA

1. Access the Invoices page.
2. 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. Image Added

Processing Client Initiated Charges with SCA

1. From the Client Portal, access the View Invoices page.

2. For the invoice you want to pay, click Pay Online.
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   The invoice appears.

3. Mark the payment. The 3D Secure 2.0 authentication process page appears.

4. Click Proceed with Authentication.
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   A page presenting the challenge from the credit card gateway provider appears.

   Different gateways

   Each gateway will display and require different things

   from the user

   depending on

   their

   its individual processes

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5. If the payer completes the challenge successfully, they will be redirected to the signed quote after the challenge is completed. 
6. If the payer fails the challenge, they will be redirected back to the quote signature page to choose another payment method.

Processing User initiated charges with SCA

1. Within the Ubersmith admin interface, initiate a credit card payment for an invoice.Image Removed
2. If the bank requests SCA for the charge, an error will be displayed to the user and an email will be sent to the customer.Image Removed
3. The client receives the email and follows the instructions within to log in to Ubersmith's client portal and complete the charge.Image Removed

Automatically Initiated Charges with SCA

. The rest of the message may vary depending on the provider.Image Removed

1. .

2. Click Submit.
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   The invoice appears.

3. Click Mark Payment.

Signing Quotes with SCA

1. 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.
2. From the Payment Information section on the Quote Signature page, the client selects credit card, electronically signs the quote and clicks Sign Contract.
   

   
   

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   The 3D Secure 2.0 authentication process page appears.
3. Click Proceed with Authentication.
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   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.
4. Click Submit.
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   The Quote Signature page appears.

Related Topics

Якорь
Related Topics Related Topics

Managing Invoices

Supported Merchant Gateways

Configuring Payment Processing Options