In this article you can find out how reCAPTCHA and Strong Customer Authentication help protect your business and customers from cyberattacks and fraud.
What is reCAPTCHA?
reCAPTCHA is a Google system that allows web hots to distinguish between humans and bots. Ultimately helping protect your website and customers from fraud and abuse.
What is Strong Customer Authentication (SCA)?
Strong Customer Authentication (SCA) aims to improve the security of customer-initiated card payments.
It requires customers to authenticate themselves through at least two independent factors when making a card payment:
- Something the customer knows e.g a PIN or password
- Something the customer has e.g a mobile phone or card reader.
- Something the customer is e.g facial recognition or a fingerprint.
What types of transactions are affected?
The regulation applies to most card transactions, with a number of key exceptions:
- Online card payments below €30. Additional security will be required if the customer makes more than five consecutive low value payments or if the cumulative value exceeds €100.
- Contactless face-to-face transactions below €50. The cumulative limit of consecutive transactions is €150 and the number of consecutive transactions is limited to five.
- Mail and telephone orders (MOTO) via a virtual payments gateway
- Recurring payments such as subscriptions made to the same business for the same amount. Strong Customer Authentication will be required for initial set up.
What does this mean for my customers?
This means that customers will be prompted to provide additional information when making certain card payments.
For customers making online payments, they'll go through two-factor authentication via their bank. When this happens, they’ll be asked to enter a password or a one-time secure code.
How do I comply with the new security standards?
If you take online payments, you need to have reCAPTCHA enabled and be SCA compliant as soon as possible. Please get in touch with us if you need any help or support.