{"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-y-3d-secure-2-0","status":"publish","type":"post","link":"https:\/\/membermouse.com\/es\/updates\/psd2-sca-and-3d-secure-2-0\/","title":{"rendered":"PSD2, autenticaci\u00f3n fuerte de clientes y 3D Secure 2.0"},"content":{"rendered":"Como propietarios de empresas, recibimos tantas notificaciones y alertas diferentes cada d\u00eda que puede ser un reto ordenarlas todas y averiguar d\u00f3nde es necesario actuar. Es probable que haya recibido comunicaciones de su(s) procesador(es) de pagos inform\u00e1ndole de que la Directiva revisada sobre servicios de pago (<a href=\"https:\/\/en.wikipedia.org\/wiki\/Payment_Services_Directive#Revised_Directive_on_Payment_Services_(PSD2\" rel=\"noopener noreferrer nofollow\" target=\"_blank\">DSP2<\/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>) para compras iniciales y \u00fanicas en las que tanto el banco iniciador como el adquirente se encuentran en el Espacio Econ\u00f3mico Europeo (<a href=\"https:\/\/en.wikipedia.org\/wiki\/European_Economic_Area\" rel=\"noopener noreferrer nofollow\" target=\"_blank\">EEE<\/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 y Braintree<\/strong><\/h3>\r\nTanto Stripe como Braintree se basar\u00e1n en <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> para proporcionar autenticaci\u00f3n. La aplicaci\u00f3n de 3D Secure suele a\u00f1adir un paso adicional despu\u00e9s del pago, en el que el banco solicita al titular de la tarjeta que facilite informaci\u00f3n adicional para completar el pago (por ejemplo, un c\u00f3digo de un solo uso enviado a su tel\u00e9fono o la autenticaci\u00f3n de la huella dactilar a trav\u00e9s de su aplicaci\u00f3n de banca m\u00f3vil). Los esfuerzos de MemberMouse se centran en trabajar para modificar nuestra integraci\u00f3n y el flujo de pago seg\u00fan sea necesario para admitir esta funcionalidad.\r\n\r\n<ul>\r\n<li><strong>Documentaci\u00f3n de Stripe:<\/strong> Puede consultar la documentaci\u00f3n de Stripe sobre SCA <a href=\"https:\/\/stripe.com\/guides\/strong-customer-authentication\" rel=\"noopener noreferrer nofollow\" target=\"_blank\">aqu\u00ed<\/a>.\r\n\r\n<li><strong>Documentaci\u00f3n de Braintree:<\/strong> Y la documentaci\u00f3n de Braintree se puede encontrar <a href=\"https:\/\/www.braintreepayments.com\/blog\/understanding-and-preparing-for-psd2-strong-customer-authentication\/\" rel=\"noopener noreferrer nofollow\" target=\"_blank\">aqu\u00ed<\/a>.<\/ul>\r\nEs especialmente interesante tener en cuenta las excepciones a SCA que admite y no admite cada pasarela. Pueden consultarse en la documentaci\u00f3n a la que se hace referencia en el enlace anterior.\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>Autorizar.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>y<\/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>Conclusi\u00f3n<\/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 se toma muy en serio la responsabilidad de implementar actualizaciones de seguridad e infraestructura para todas las pasarelas de pago que soportamos. Nuestro equipo de desarrollo est\u00e1 en camino de una nueva versi\u00f3n que permita a su sitio estar en conformidad antes de la fecha l\u00edmite de mediados de septiembre. En este art\u00edculo, repasamos la informaci\u00f3n que necesita saber para cumplir la normativa.<\/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\/es\/wp-json\/wp\/v2\/posts\/6043","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/membermouse.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/membermouse.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/membermouse.com\/es\/wp-json\/wp\/v2\/users\/20918"}],"replies":[{"embeddable":true,"href":"https:\/\/membermouse.com\/es\/wp-json\/wp\/v2\/comments?post=6043"}],"version-history":[{"count":0,"href":"https:\/\/membermouse.com\/es\/wp-json\/wp\/v2\/posts\/6043\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/membermouse.com\/es\/wp-json\/wp\/v2\/media\/6046"}],"wp:attachment":[{"href":"https:\/\/membermouse.com\/es\/wp-json\/wp\/v2\/media?parent=6043"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/membermouse.com\/es\/wp-json\/wp\/v2\/categories?post=6043"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/membermouse.com\/es\/wp-json\/wp\/v2\/tags?post=6043"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}