Post by Daniel » Fri Apr 12, 2019 2:54 pm

This is very important if you sell products to EU customers. From 14 September 2019 all EU credit card transactions will be rejected if your store does not have 3d secure setup on your web site.

I have been contacted by PayPal regarding this.

I can not find the link to any EU sites with the new law information. It is on stripes web site:

https://stripe.com/en-US/guides/strong- ... entication
On 14 September 2019, new requirements for authenticating online payments will be introduced in Europe as part of the second Payment Services Directive (PSD2).
We are contacting all the gateways that are included in opencart to get them to update their opencart payment extensions.

If you require a quick solution i recommened cardinal commerces JS 3d secure intergration:

https://developer.cardinalcommerce.com/index.shtml

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Post by OSWorX » Fri Apr 12, 2019 3:29 pm

Well here you have:
https://ec.europa.eu/info/law/payment-s ... 15-2366_en
Here in German:
https://de.wikipedia.org/wiki/Zahlungsdiensterichtlinie
And English:
https://en.wikipedia.org/wiki/Payment_S ... _Directive
Ad a few more (in German):
https://www.concardis.com/at-de/blog/ar ... egeschaeft
https://newsroom.mastercard.com/eu/de/2 ... -haendler/
https://www.wuv.de/digital/neuer_bezahl ... r_beachten
https://www.six-payment-services.com/de ... e-2-0.html

In general, this Directive is old, made already in 2015.
Valid from January 2018 and have to be fullfilled not later than the 14th September 2019

This 'new' law is called 'EMV 3-D-Secure 2.0' (created by Europay, Mastercard and Visa) is part of the EU-Zahlungsdiensterichtlinie (PSD2)

Important to say, this process is valid only for transactions made with Credit Cards.
Wichtig hier, dieses Verfahren gilt nur für Kredikartenzahlungen!

Forum Rules [en]: viewtopic.php?f=176&t=200480
Forumregeln [de]: viewtopic.php?f=37&t=114208
Commercial Request: viewforum.php?f=88

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Post by paulfeakins » Fri Apr 12, 2019 5:20 pm

OSWorX wrote:
Fri Apr 12, 2019 3:29 pm
In general, this Directive is old, made already in 2015.
Valid from January 2018 and have to be fullfilled not later than the 14th September 2019
Why does no one know about it then? And why is there nothing online about it?

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Post by Daniel » Fri Apr 12, 2019 6:26 pm

This is bigger than GDPR

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Post by OSWorX » Fri Apr 12, 2019 6:39 pm

paulfeakins wrote:
Fri Apr 12, 2019 5:20 pm
OSWorX wrote:
Fri Apr 12, 2019 3:29 pm
In general, this Directive is old, made already in 2015.
Valid from January 2018 and have to be fullfilled not later than the 14th September 2019
Why does no one know about it then? And why is there nothing online about it?
Sorry, I do not know O0
And online is enough .. since a long time (2015 to be exact).
And the EC-Website can be read by everyone 24 hours a day, 7 days a week ..

Visa and MC for example made their first messages about this 1 year ago ..

Beside this, there are many directives out which will effect us all here (sorry, not GB anymore .. if they leave .. :laugh: )
For example the coming ePrivacy.
Or the packaging thing which is completely new in Germany since the 1st of January 2019.

Forum Rules [en]: viewtopic.php?f=176&t=200480
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Post by OSWorX » Fri Apr 12, 2019 6:44 pm

Daniel wrote:
Fri Apr 12, 2019 6:26 pm
This is bigger than GDPR
Not really, because the GDPR is valid for all and every website - worldwide.
3D-Secure is only for payments made with Credit Cards - and currently more customers are paying with other payment methods (especially here in Europe).

Forum Rules [en]: viewtopic.php?f=176&t=200480
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Post by Johnathan » Fri Apr 12, 2019 10:35 pm

Those of us with payment extensions may have already been notified (I found out last fall), but the APIs for the SCA requirements weren't even ready until recently. Stripe's is ready, but Braintree's still says it still shouldn't be used in production. I think the payment companies were a little behind the ball on this one --- yes the deadline is September, but April is the start of the window for moving to 3D Secure 2.0, and that's not even possible for many payment gateways right now.

I'll be updating my Stripe and Braintree extensions for the new requirements soon. If you're using a payment method from a different developer, you should contact them to see if they know anything about updating their code. Hopefully Daniel and the OpenCart team will ensure that all the built-in OpenCart payment methods are updated before September.

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Post by Daniel » Fri Apr 12, 2019 10:46 pm

There are still a lot of payment gateways with no documentation on what updates are required.

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Post by Johnathan » Mon Apr 15, 2019 9:35 pm

Yeah, that doesn't surprise me. Either the law happened too quickly, or the payment processors are dragging their feet, or someone in the middle is holding things up. Hopefully everyone gets their documentation up soon, or there are going to be major issues for EU customers on all sorts of ecommerce websites (not just OpenCart) in September.

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