About Strong Customer Authentication (SCA)
SCA is a new European regulatory requirement to reduce fraud and make online payments more secure.
Banks may decline payments that require SCA and don’t meet these requirements.
How this affects Stripe payments
Currently customers can make Stripe payments:
- Directly from an invoice
or
- By you entering your customer’s card information and apply a payment directly to their invoice, often referred to as Mail Order and Telephone Order (MOTO) payments.
Any payments your customers make directly from an invoice uses SCA. However, any payments where you enter the customer’s card information, are exempt from SCA.
These payments are automatically flagged as MOTO transactions, so the bank is aware that the cardholder wasn’t present at the time of the transaction.
It’s up to the cardholder’s bank, whether they accept or reject MOTO transactions. If the cardholder’s bank does reject the transaction, we recommend your customer pays directly from the invoice using the Pay Now button.