SuiteCommerce

SCA Customers in EU: PSD2 can block online payments

Payment Service Directive 2 (PSD2) Regulations  to Impact SCA Customers in EU

After PSD2 rolls out on September 14, 2019, all EU merchants with an acquiring bank in EU (or their acquirer has EU license) must meet the requirement of Strong Customer Authentication when processing e-commerce payments greater than 30 Euro. This requirement can be satisfied with the existing technology of 3D Secure 1.0, already supported on some SuiteCommerce Advanced or SiteBuilder Extension Premium versions.

If you haven’t enabled 3D Secure 1.0 authentication in your website, you must take action to be compliant before September 14, 2019.

Failure to comply with this requirement will result in issuing banks refusing your transactions, leading to lower authorization rates.

Do these changes apply to me?

This applies to you if your website is on one of these SuiteCommerce Advanced or SiteBuilder Extension Premium releases.

SuiteCommerce Advanced:

Reference Checkout (any version)
Denali or Denali R2
Mont Blanc
Vinson
Elbrus
Kilimanjaro
Aconcagua
2018.2
2019.1

SiteBuilder with one of these SiteBuilder Extension Premium Releases:

Reference Checkout (any version)
Denali or Denali R2
Mont Blanc
Vinson
Elbrus
Kilimanjaro

How To determine which version of SuiteCommerce Advanced your site is using

On many SuiteCommerce sites, you can go to the home page, view source in your browser, scroll to the bottom of the page, and see your SuiteCommerce version number and other release-related information. If this does not work on your site, follow these steps to determine your SuiteCommerce version:

If your touch points are set on your domain name record:

Log in to NetSuite.
Go to Setup > SuiteCommerce Advanced > Domains.
Click View for your domain name. Your version of SuiteCommerce Advanced is shown in the Touch Points field.

If your touch points are set on your web site record:

Log in to NetSuite.
Go to Setup > SuiteCommerce Advanced > Set Up Web Site.
Click Edit for your web site.
Go to the Touch Points subtab. Your version of SuiteCommerce is shown in the Web Application column.

Recommended Actions

If you have one of the following releases, follow the steps described in SuiteAnswers article 3D Secure Payment Authentication (ID: 65895):

Kilimanjaro
Aconcagua
2018.2
2019.1

Otherwise, if you have one of the following releases, follow the steps described in SuiteAnswers article Integrating with 3D Secure (ID: 27508):

Reference Checkout (any version)
Denali or Denali R2
Mont Blanc
Vinson
Elbrus

We can help

If you need assistance with implementing 3D Secure, contact us and we will be happy to assist you.