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Unable to make online international purchases due to new SCA rule?
SofiaSx
Posts: 1 Newbie
From 18 January card issuers will start declining some non-compliant transactions, with all non-compliant transactions being declined after the 14 March deadline. Retailers are therefore strongly urged to ensure readiness by 18 January 2022 as SCA requests will be stepped up from this date to avoid a cliff edge implementation.
Posting here as my bank is no help and neither is Amazon.
Last month I tried to make a purchase on Amazon US but it was declined due to this new rule in place (bank never told me this though they blamed Amazon but when I notified Amazon they blamed my bank) however I’m able to purchase on the Amazon U.K. and other international sites but Amazon US seems to be the problem even though the seller ships to the U.K. I’ve waited a few weeks to see if it’s maybe the seller and I plan on trying again tomorrow for the same item I’m just worried it’ll be declined again. How am I able to tell what retailer has these new rules in place? I’m un sure what they mean by declining all non compliant transactions. I thought with it being Amazon it would be fine but I guess not.
Posting here as my bank is no help and neither is Amazon.
Last month I tried to make a purchase on Amazon US but it was declined due to this new rule in place (bank never told me this though they blamed Amazon but when I notified Amazon they blamed my bank) however I’m able to purchase on the Amazon U.K. and other international sites but Amazon US seems to be the problem even though the seller ships to the U.K. I’ve waited a few weeks to see if it’s maybe the seller and I plan on trying again tomorrow for the same item I’m just worried it’ll be declined again. How am I able to tell what retailer has these new rules in place? I’m un sure what they mean by declining all non compliant transactions. I thought with it being Amazon it would be fine but I guess not.
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Comments
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Details here. https://www.ravelin.com/insights/ultimate-guide-psd2-strong-customer-authentication?utm_term=secure%20customer%20authentication&utm_campaign=PSPs+-+Europe&utm_source=adwords&utm_medium=ppc&hsa_ver=3&hsa_grp=80384366390&hsa_kw=secure%20customer%20authentication&hsa_tgt=kwd-476293652309&hsa_mt=p&hsa_acc=6420205522&hsa_net=adwords&hsa_ad=367713276382&hsa_src=g&hsa_cam=1081482454&gclid=CjwKCAjw0a-SBhBkEiwApljU0oZgscGcMNQj5CPm30Tp9fchcIhGGBK5gfLOx0H-jg9pZ7kQ5og5oxoC28oQAvD_BwE Payments for Amazon US must go through EEA provider so they need to be licensed.0
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This, from your link, states a non-EEA merchant is not required to support SCA.sheramber said:Details here. https://www.ravelin.com/insights/ultimate-guide-psd2-strong-customer-authentication?utm_term=secure%20customer%20authentication&utm_campaign=PSPs+-+Europe&utm_source=adwords&utm_medium=ppc&hsa_ver=3&hsa_grp=80384366390&hsa_kw=secure%20customer%20authentication&hsa_tgt=kwd-476293652309&hsa_mt=p&hsa_acc=6420205522&hsa_net=adwords&hsa_ad=367713276382&hsa_src=g&hsa_cam=1081482454&gclid=CjwKCAjw0a-SBhBkEiwApljU0oZgscGcMNQj5CPm30Tp9fchcIhGGBK5gfLOx0H-jg9pZ7kQ5og5oxoC28oQAvD_BwE Payments for Amazon US must go through EEA provider so they need to be licensed.
"Under PSD2, strong customer authentication is required on all payer-initiated transactions when both the card issuer and acquirer are within the EEA. If only one of the two is within the EEA, SCA is not required - so a business based in the US with a US bank would not be required to enforce strong authentication."0 -
scroll down to Direct ImpactMigster said:
This, from your link, states a non-EEA merchant is not required to support SCA.sheramber said:Details here. https://www.ravelin.com/insights/ultimate-guide-psd2-strong-customer-authentication?utm_term=secure%20customer%20authentication&utm_campaign=PSPs+-+Europe&utm_source=adwords&utm_medium=ppc&hsa_ver=3&hsa_grp=80384366390&hsa_kw=secure%20customer%20authentication&hsa_tgt=kwd-476293652309&hsa_mt=p&hsa_acc=6420205522&hsa_net=adwords&hsa_ad=367713276382&hsa_src=g&hsa_cam=1081482454&gclid=CjwKCAjw0a-SBhBkEiwApljU0oZgscGcMNQj5CPm30Tp9fchcIhGGBK5gfLOx0H-jg9pZ7kQ5og5oxoC28oQAvD_BwE Payments for Amazon US must go through EEA provider so they need to be licensed.
"Under PSD2, strong customer authentication is required on all payer-initiated transactions when both the card issuer and acquirer are within the EEA. If only one of the two is within the EEA, SCA is not required - so a business based in the US with a US bank would not be required to enforce strong authentication."
Similarly to the General Data Protection Regulation (GDPR), PSD2 will impact a business outside the EU if it provides payment services in the EEA, and it will need to have a payment license.
Amazon's payment service may be provided in EEA.0
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