{"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-e-3d-secure-2-0","status":"publish","type":"post","link":"https:\/\/membermouse.com\/pt\/updates\/psd2-sca-and-3d-secure-2-0\/","title":{"rendered":"PSD2, autentica\u00e7\u00e3o forte do cliente e 3D Secure 2.0"},"content":{"rendered":"Como propriet\u00e1rios de empresas, recebemos tantas notifica\u00e7\u00f5es e alertas diferentes todos os dias que pode ser um desafio classificar todos eles e descobrir onde \u00e9 necess\u00e1rio agir. \u00c9 prov\u00e1vel que voc\u00ea tenha recebido uma comunica\u00e7\u00e3o do(s) seu(s) processador(es) de pagamento informando que a Diretiva Revisada de Servi\u00e7os de Pagamento (<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>) para compras iniciais e \u00fanicas em que os bancos iniciador e adquirente est\u00e3o ambos no Espa\u00e7o Econ\u00f4mico Europeu (<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 e Braintree<\/strong><\/h3>\r\nO Stripe e o Braintree contar\u00e3o com <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 fornecer autentica\u00e7\u00e3o. A aplica\u00e7\u00e3o do 3D Secure normalmente adiciona uma etapa extra ap\u00f3s o checkout, em que o titular do cart\u00e3o \u00e9 solicitado pelo banco a fornecer informa\u00e7\u00f5es adicionais para concluir um pagamento (como um c\u00f3digo \u00fanico enviado ao telefone ou autentica\u00e7\u00e3o de impress\u00e3o digital por meio do aplicativo banc\u00e1rio m\u00f3vel). Os esfor\u00e7os do MemberMouse est\u00e3o concentrados em trabalhar para alterar nossa integra\u00e7\u00e3o e o fluxo de checkout conforme necess\u00e1rio para dar suporte a essa funcionalidade.\r\n\r\n<ul>\r\n<li><strong>Documenta\u00e7\u00e3o do Stripe:<\/strong> Voc\u00ea pode ler a documenta\u00e7\u00e3o do Stripe sobre SCA <a href=\"https:\/\/stripe.com\/guides\/strong-customer-authentication\" rel=\"noopener noreferrer nofollow\" target=\"_blank\">aqui<\/a>.\r\n\r\n<li><strong>Documenta\u00e7\u00e3o da Braintree:<\/strong> E a documenta\u00e7\u00e3o do Braintree pode ser encontrada <a href=\"https:\/\/www.braintreepayments.com\/blog\/understanding-and-preparing-for-psd2-strong-customer-authentication\/\" rel=\"noopener noreferrer nofollow\" target=\"_blank\">aqui<\/a>.<\/ul>\r\n\u00c9 especialmente interessante observar as exce\u00e7\u00f5es \u00e0 SCA que cada gateway suporta e n\u00e3o suporta. Elas podem ser encontradas na documenta\u00e7\u00e3o vinculada acima.\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>e<\/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>Concluindo<\/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>O MemberMouse leva muito a s\u00e9rio a responsabilidade de implementar atualiza\u00e7\u00f5es de seguran\u00e7a e infraestrutura para todos os gateways de pagamento aos quais damos suporte. Nossa equipe de desenvolvimento est\u00e1 no caminho certo para uma nova vers\u00e3o que permitir\u00e1 que seu site esteja em conformidade antes do prazo final de meados de setembro. Nesta postagem, analisamos as informa\u00e7\u00f5es que voc\u00ea precisa saber para estar em conformidade.<\/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\/pt\/wp-json\/wp\/v2\/posts\/6043","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/membermouse.com\/pt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/membermouse.com\/pt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/membermouse.com\/pt\/wp-json\/wp\/v2\/users\/20918"}],"replies":[{"embeddable":true,"href":"https:\/\/membermouse.com\/pt\/wp-json\/wp\/v2\/comments?post=6043"}],"version-history":[{"count":0,"href":"https:\/\/membermouse.com\/pt\/wp-json\/wp\/v2\/posts\/6043\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/membermouse.com\/pt\/wp-json\/wp\/v2\/media\/6046"}],"wp:attachment":[{"href":"https:\/\/membermouse.com\/pt\/wp-json\/wp\/v2\/media?parent=6043"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/membermouse.com\/pt\/wp-json\/wp\/v2\/categories?post=6043"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/membermouse.com\/pt\/wp-json\/wp\/v2\/tags?post=6043"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}