Strong customer authentication
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Hi,
Could you check support for strong customer authentication? It has become a requirement within EU and many banks etc. require that for online purchases. It seems my payments are not going through without it. -
@kazereal Before we continue investigating this, I have confirmed that your payments have not been successful, and we have received a generic error indicating that you should be able to tell why the payment was declined on your end. Are you certain that the reason it was declined is due to strong customer authentication?
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I am from France (so within the EU) and I just successfully bought 1 credit.
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From my experience, EU and my own country(Finland) online stores almost always have strong authentication(for some reason not amazon no matter region...), US stores/services(kickstarter etc) almost never.
Curiously, the vast majority of Japanese online stores do have it when you go to pay(hobby search etc). -
Isn't there also a distinction between places that store your payment info and places that make you type it in every time? I would think the strong authentication rule only applies to sites that store your info.
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@korppi It's not just per store, but it varies by when you purchase: having many purchases increases likelihood that it will be asked or if it does not fit within certain pattern of purchases and so on. It seems to depend on what the payment processor decides when it is required.
I think it matters if you use debit or credit of same card as well if you are required to verify. -
Sorry. Asking out of curiosity since I'm from Southeast Asia. But what is 'strong customer authentication' like?
Is it like the requirements of using OTP codes for credit card purchases?
(I had got a transaction issue with JNC back then since there was a problem with my credit card renewal, but then it resolved itself and there were no further problems.)
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@shrike_al There's different implementations per bank/payment processor etc. but example case is challenge+verification code: payment processor present a challenge code that you are required to respond with verification code before payment is accepted. So there is no "static" value but instead algorithmic verification.
Strong verification is in addtion to having multiple parts of the card (name, number, expiration, CCV) known during processing.
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@kazereal Sounds like the case that I had then.
In that case, I don't think there should be any transaction problems with JNC since my process was like that too.
