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Richard Wallis
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July 8, 2019 at 3:45 am
I see from a few searches that the SagePay gateway does not currently support 3D Secure.
This raises significant concerns having just received a warning notice from Sagepay, containing the following:
As you know, Strong Customer Authentication is part of the new EU Payment Services Directive (PSD2) that comes into effect on 14 September 2019. A key element of this directive is the introduction of 2-factor authentication for online transactions processed in the EEA, via 3D Secure or 3D Secure v2. Find out more about this directive
You now need to take steps to ensure you remain compliant and able to accept card payments from 14 September 2019.
Not being able to take card payments after 14 September 2019 would be catastrophic for our business.
Can you share plans to introduce support for 3D Secure into the Sagepay gateway prior to that date.
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Josh
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July 8, 2019 at 7:01 pm
Hi Richard,
A decision has not been made about which way to go about this, either:
a) build a new, off-site, Sagepay payment method which will support the SCA via 3d Secure provided by Sagepay
or
b) retrofit 3d Secure support onto the existing Sagepay direct payment methods.
In either case we’re planning on having something available before PSD2 comes into effect in September 2019.
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Richard Wallis
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July 9, 2019 at 2:41 am
Hi Josh,
Good to hear that you are at least thinking about this, and planning a solution ahead of the deadline.
Please keep me up to date on progress. The implications for missing that deadline are significant enough for me to already be investigating alternative contingency plans. Plans that I hopefully will not have to follow through.
I presume your plans include a sufficient period for the solution to be implemented and tested in my environment before going live. A period I would hope would be measured in weeks.
From my point of view, option b) would be preferable, as it should have little or no impact on how the service is integrated. Whereas option a) I suspect would have similar impacts to that of introducing a new gateway. Having just moved from Mijireh to SagePay, I am aware that it isn’t as simple as just uploading and filling in a few fields.
~Richard.
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Josh
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July 9, 2019 at 12:17 pm
We’re more than at least thinking about this, there’s an open issue on the SagePay add-on’s repository and it’s assigned to a developer.
If for some reason you’re not able to update to the new version of SagePay before the deadline, you could take a look at the Stripe add-on which will have its 3D Secure updates ready sooner.
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