{"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-et-3d-secure-2-0","status":"publish","type":"post","link":"https:\/\/membermouse.com\/fr\/updates\/psd2-sca-and-3d-secure-2-0\/","title":{"rendered":"PSD2, authentification forte des clients et 3D Secure 2.0"},"content":{"rendered":"En tant que chefs d'entreprise, nous recevons chaque jour tant de notifications et d'alertes diff\u00e9rentes qu'il peut \u00eatre difficile de faire le tri et de d\u00e9terminer les actions \u00e0 entreprendre. Il est probable que vous ayez re\u00e7u une communication de votre (vos) processeur(s) de paiement vous informant que la Directive r\u00e9vis\u00e9e sur les services de paiement (<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>) pour les achats initiaux et uniques lorsque la banque initiatrice et la banque acqu\u00e9reuse se trouvent toutes deux dans l'Espace \u00e9conomique europ\u00e9en (<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 et Braintree<\/strong><\/h3>\r\nStripe et Braintree s'appuieront tous deux sur <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> pour assurer l'authentification. L'application de 3D Secure ajoute g\u00e9n\u00e9ralement une \u00e9tape suppl\u00e9mentaire apr\u00e8s la caisse, au cours de laquelle le titulaire de la carte est invit\u00e9 par sa banque \u00e0 fournir des informations suppl\u00e9mentaires pour effectuer un paiement (par exemple, un code \u00e0 usage unique envoy\u00e9 sur son t\u00e9l\u00e9phone ou une authentification par empreinte digitale via son application de banque mobile). Les efforts de MemberMouse se concentrent sur la modification de notre int\u00e9gration et de notre flux de paiement, si n\u00e9cessaire, pour prendre en charge cette fonctionnalit\u00e9.\r\n\r\n<ul>\r\n<li><strong>Documentation de Stripe :<\/strong> Vous pouvez lire la documentation de Stripe sur SCA <a href=\"https:\/\/stripe.com\/guides\/strong-customer-authentication\" rel=\"noopener noreferrer nofollow\" target=\"_blank\">ici<\/a>.\r\n\r\n<li><strong>Documentation de Braintree :<\/strong> La documentation de Braintree est disponible \u00e0 l'adresse suivante <a href=\"https:\/\/www.braintreepayments.com\/blog\/understanding-and-preparing-for-psd2-strong-customer-authentication\/\" rel=\"noopener noreferrer nofollow\" target=\"_blank\">ici<\/a>.<\/ul>\r\nIl est particuli\u00e8rement int\u00e9ressant de noter les exceptions \u00e0 l'ACS que chaque passerelle prend en charge et ne prend pas en charge. Ces exceptions sont d\u00e9crites dans la documentation mentionn\u00e9e ci-dessus.\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>et<\/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>Conclusion<\/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 prend tr\u00e8s au s\u00e9rieux la responsabilit\u00e9 de mettre en \u0153uvre les mises \u00e0 jour de s\u00e9curit\u00e9 et d'infrastructure pour toutes les passerelles de paiement que nous prenons en charge. Notre \u00e9quipe de d\u00e9veloppement est sur le point de publier une nouvelle version qui permettra \u00e0 votre site d'\u00eatre conforme avant la date limite de mi-septembre. Dans ce billet, nous passons en revue les informations que vous devez conna\u00eetre pour \u00eatre en conformit\u00e9.<\/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\/fr\/wp-json\/wp\/v2\/posts\/6043","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/membermouse.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/membermouse.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/membermouse.com\/fr\/wp-json\/wp\/v2\/users\/20918"}],"replies":[{"embeddable":true,"href":"https:\/\/membermouse.com\/fr\/wp-json\/wp\/v2\/comments?post=6043"}],"version-history":[{"count":0,"href":"https:\/\/membermouse.com\/fr\/wp-json\/wp\/v2\/posts\/6043\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/membermouse.com\/fr\/wp-json\/wp\/v2\/media\/6046"}],"wp:attachment":[{"href":"https:\/\/membermouse.com\/fr\/wp-json\/wp\/v2\/media?parent=6043"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/membermouse.com\/fr\/wp-json\/wp\/v2\/categories?post=6043"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/membermouse.com\/fr\/wp-json\/wp\/v2\/tags?post=6043"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}