Online fraud is a consistent and serious problem affecting people and businesses worldwide. Protecting online payments is a priority at all levels, from users to governments. To help protect its people, the European Economic Area (EEA) passed the second Payment Services Directive (PSD2). This means businesses in the EEA will be using Strong Customer Authentication (SCA) for online transactions from clients in the EEA. This directive, and the SCA rule, is set to kick off on September 14th, 2019.

What's going to happen on September 14th? If you have a Stripe account that’s integrated with Proposify and set to be based in the EEA and collecting payments from someone else who’s card is based in the EEA, that user will need to verify their identity in order for the payment to process. There are certain exceptions, but most payments will need that extra step.

Have a bunch of questions about what this means to you as a Proposify user? Here’s a bunch of answers:

I’m based outside of the EEA. Will this affect me? 

Nope! This only applies to online transactions from companies in the EEA to cardholders in the EEA. 

I’m based in the EEA, but my clients live outside of the EEA. Will this affect me? 

Also nope! This only applies to online transactions from companies in the EU to cardholders in the EU. 

Will you be ready by the September 14th deadline?

We’ll have everything in place by August 19th, well ahead of the deadline. Your payments will continue to roll in as they always did.

It’s after September 14th and my client isn't getting an SCA request. What gives?

The September 14th deadline is for our payment system to have the framework to collect payment in place. It could be a while before every bank in the EEA develops an authentication process themselves. Once their bank has that feature rolled out, we’ll have everything ready for them.

Is there anything I need to do?

Keep being awesome. We’ve got this all fixed up in the back-end

Will I need to use SCA to pay for a Proposify subscription? 

We're in Canada and this only affects transactions where the businesses and the payer have banks in the EEA. You will not need to use SCA to pay for a Proposify subscription.

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