{"id":6043,"date":"2019-08-19T11:18:09","date_gmt":"2019-08-19T18:18:09","guid":{"rendered":"https:\/\/membermouse.com\/?p=6043"},"modified":"2020-07-28T11:15:20","modified_gmt":"2020-07-28T18:15:20","slug":"psd2-sca-und-3d-secure-2-0","status":"publish","type":"post","link":"https:\/\/membermouse.com\/de\/updates\/psd2-sca-and-3d-secure-2-0\/","title":{"rendered":"PSD2, starke Kundenauthentifizierung und 3D Secure 2.0"},"content":{"rendered":"Als Unternehmer erhalten wir jeden Tag so viele verschiedene Benachrichtigungen und Warnungen, dass es eine Herausforderung sein kann, sie alle zu sortieren und herauszufinden, wo Handlungsbedarf besteht. Wahrscheinlich haben Sie eine Mitteilung von Ihren Zahlungsdienstleistern erhalten, in der Sie dar\u00fcber informiert werden, dass die \u00fcberarbeitete Richtlinie \u00fcber Zahlungsdienste (<a href=\"https:\/\/en.wikipedia.org\/wiki\/Payment_Services_Directive#Revised_Directive_on_Payment_Services_(PSD2\" rel=\"noopener noreferrer nofollow\" target=\"_blank\">PSD2<\/a>) goes into effect September 14, 2019, and urging you to update your integration to be in compliance.\r\n\r\nIn general, the main requirement of PSD2 as it relates to online businesses is Strong Customer Authentication (<a href=\"https:\/\/stripe.com\/guides\/strong-customer-authentication\" rel=\"noopener noreferrer nofollow\" target=\"_blank\">SCA<\/a>) - similar to what people refer to as two-factor authentication - which necessitates a 3D Secure (<a href=\"https:\/\/stripe.com\/guides\/3d-secure-2\" rel=\"noopener noreferrer nofollow\" target=\"_blank\">3DS<\/a>) f\u00fcr Erst- und Einmalk\u00e4ufe, bei denen sowohl die initiierende als auch die akquirierende Bank ihren Sitz im Europ\u00e4ischen Wirtschaftsraum (<a href=\"https:\/\/en.wikipedia.org\/wiki\/European_Economic_Area\" rel=\"noopener noreferrer nofollow\" target=\"_blank\">EEA<\/a>).\r\n\r\nMemberMouse takes very seriously the responsibility to implement security and infrastructure updates for all the payment gateways that we support. Our development team is on track for a new release to allow your site to be in compliance in advance of the mid-September deadline. \r\n\r\nThere is no action required from MemberMouse customers at this time. The new release of MemberMouse will contain updated payment integrations and incorporate changes necessary for the 3DS checkout flow. A simple manual update to the MemberMouse plugin will be all that's necessary on your site. Read more below for additional information about specific payment processors' SCA efforts.\r\n\r\n<h3><strong>Stripe und Braintree<\/strong><\/h3>\r\nStripe und Braintree werden sich beide auf <a href=\"https:\/\/usa.visa.com\/visa-everywhere\/security\/future-of-digital-payment-security.html\" rel=\"noopener noreferrer nofollow\" target=\"_blank\">3D Secure 2.0<\/a> um die Authentifizierung zu erm\u00f6glichen. Die Anwendung von 3D Secure f\u00fcgt in der Regel einen zus\u00e4tzlichen Schritt nach der Kasse hinzu, bei dem der Karteninhaber von seiner Bank aufgefordert wird, zus\u00e4tzliche Informationen anzugeben, um eine Zahlung abzuschlie\u00dfen (z. B. einen einmaligen Code, der an sein Telefon gesendet wird, oder eine Authentifizierung per Fingerabdruck \u00fcber seine mobile Banking-App). Die Bem\u00fchungen von MemberMouse konzentrieren sich auf die \u00c4nderung unserer Integration und des Kassenablaufs, um diese Funktion zu unterst\u00fctzen.\r\n\r\n<ul>\r\n<li><strong>Die Dokumentation von Stripe:<\/strong> Sie k\u00f6nnen die Dokumentation von Stripe \u00fcber SCA lesen <a href=\"https:\/\/stripe.com\/guides\/strong-customer-authentication\" rel=\"noopener noreferrer nofollow\" target=\"_blank\">hier<\/a>.\r\n\r\n<li><strong>Braintree's Dokumentation:<\/strong> Und die Dokumentation von Braintree finden Sie unter <a href=\"https:\/\/www.braintreepayments.com\/blog\/understanding-and-preparing-for-psd2-strong-customer-authentication\/\" rel=\"noopener noreferrer nofollow\" target=\"_blank\">hier<\/a>.<\/ul>\r\nBesonders interessant sind die Ausnahmen von SCA, die jedes Gateway unterst\u00fctzt und nicht unterst\u00fctzt. Diese k\u00f6nnen in der oben verlinkten Dokumentation nachgelesen werden.\r\n\r\n<h3><strong>PayPal<\/strong><\/h3>\r\nMemberMouse uses the PayPal hosted integration which means that your customers are automatically directed from your website to PayPal once they're ready to pay. And since PayPal hosts the payment process, PayPal will augment their \"Pay with PayPal\" user flow to handle the new Strong Customer Authentication requirements. There will be no work required by merchants. \r\n\r\n<h3><strong>Authorize.net<\/strong><\/h3>\r\nAs of this writing, Authorize.net has not made a public statement nor provided integration guidance. Based on our research and inquiries, it seems that they will not be supporting PSD2. This is only relevant to those customers whose bank is located in the EEA.\r\n\r\nMemberMouse will continue to support our Authorize.net integration as is. However, if you are currently processing through Authorize.net, <em>und<\/em> will be affected by PSD2 because you are located in the EEA, we highly recommend that you evaluate other payment provider options such as Stripe. \r\n\r\nIf you have additional questions, you should contact Authorize.net directly.\r\n\r\n<h3><strong>Einpacken<\/strong><\/h3>\r\nMemberMouse will be contacting our customers directly when the new release is available with upgrade instructions and all other necessary information\r\n\r\nWe look forward to making the compliance with this regulation simple and straightforward for you, so you can focus on your community and your business.","protected":false},"excerpt":{"rendered":"<p>MemberMouse nimmt die Verantwortung f\u00fcr die Implementierung von Sicherheits- und Infrastruktur-Updates f\u00fcr alle von uns unterst\u00fctzten Zahlungs-Gateways sehr ernst. Unser Entwicklungsteam ist auf dem Weg zu einer neuen Version, die es Ihrer Website erm\u00f6glicht, vor dem Stichtag Mitte September konform zu sein. In diesem Beitrag gehen wir auf die Informationen ein, die Sie wissen m\u00fcssen, um die Vorschriften einzuhalten.<\/p>","protected":false},"author":20918,"featured_media":6046,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_strive_editorial_status":"not-started","_strive_copy_of":0,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_strive_checklists":"\"\"","_strive_active_checklist":"","_strive_post_notes":"","footnotes":""},"categories":[117,34],"tags":[],"class_list":["post-6043","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mm-dash","category-updates"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/membermouse.com\/de\/wp-json\/wp\/v2\/posts\/6043","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/membermouse.com\/de\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/membermouse.com\/de\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/membermouse.com\/de\/wp-json\/wp\/v2\/users\/20918"}],"replies":[{"embeddable":true,"href":"https:\/\/membermouse.com\/de\/wp-json\/wp\/v2\/comments?post=6043"}],"version-history":[{"count":0,"href":"https:\/\/membermouse.com\/de\/wp-json\/wp\/v2\/posts\/6043\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/membermouse.com\/de\/wp-json\/wp\/v2\/media\/6046"}],"wp:attachment":[{"href":"https:\/\/membermouse.com\/de\/wp-json\/wp\/v2\/media?parent=6043"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/membermouse.com\/de\/wp-json\/wp\/v2\/categories?post=6043"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/membermouse.com\/de\/wp-json\/wp\/v2\/tags?post=6043"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}