強力な顧客認証への対応

Strong Customer Authentication (SCA), a rule in effect as of September 14, 2019, as part of PSD2 regulation in Europe, requires changes to how your European customers authenticate online payments. Card payments require you to use 3D Secure to meet SCA requirements. Your customers’ banks might decline transactions that don’t follow the new authentication guidelines.

SCA に対応するには、次のことを行う必要があります。

1. Determine if SCA impacts your business
2. SCA 対応製品のどれがお客様のビジネスに適しているかを判断する
3. 支払い拒否を回避するために今すぐ変更を行う

影響が及ぶビジネスおよび支払い

次のすべてが当てはまる場合は、SCA に関する Stripe の組み込みを更新します。

• お客様のビジネスが欧州経済領域 (EEA) に所在するか、EEA に所在の連結アカウントの代わりに支払いを作成する
• EEA 内の顧客にサービスを提供する
• クレジットカードまたはデビットカードを受け付ける

While some low-risk transactions (based on the volume of fraud rates associated with the payment provider or bank) don’t require authentication, banks can choose to not honor these exemptions and request that the customer complete authentication. Even if you’re primarily processing low-risk transactions, update your integration so your customers can complete authentication when requested by the bank. Stripe’s new products and APIs help you claim these exemptions and maximize conversion by only requesting authentication when absolutely necessary. Learn more about SCA exemptions.

SCA 対応の製品と API

Whether you collect one-time payments or save cards for later reuse, Stripe provides prebuilt and customizable products to help you meet SCA requirements.

Integrations that aren’t SCA-ready, like those using the legacy Charges API, might see high rates of declines from banks that enforce SCA.

1 回限りの支払い

Accept card payments with the Payment Intents API and Checkout, a prebuilt, Stripe-hosted checkout flow that automatically handles SCA requirements for you. Checkout is customizable and lets you accept payments for one-time purchases and subscriptions on your website.

• Migrating to the Payment Intents API
• 構築済みの決済ページを使用する
• カスタムの決済フローを構築する

カードを再利用する

Save a card for later reuse with the Payment Intents API and the Setup Intents API. You can also use Checkout to automatically handle SCA requirements, or use Billing to handle SCA for subscription models.

• 構築済みの決済ページを使用する
• カード詳細を保存するカスタムフローを構築する
• サブスクリプションモデルに Billing を使用する

SCA migration

You might need to update your integration to support SCA. For more details about changes you might need to make, see Migrating to the Payment Intents API and SCA migration guide for Billing.

For specific product recommendations based on common business scenarios, check out the SCA payment flows guide.