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PSD2: New directive on payment on the Internet – What do onlineshop operators have to consider?
In a few weeks the second stage of the Payment Services Directive PSD2 will enter into force / Smartstore AG in forms about the changes and recommends an update to shop operators in good time
What will change with the PSD2?
As part of the PSD2, payment service providers undertake to carry out "strong customer authentication" for Internet payments.
Strong customer authentication" is mainly implemented as "two-factor authentication".
Two-factor authentication for secure online payments
As the name suggests, authentication in two-factor authentication is performed using two factors. For example, one factor can be a PIN and the other a TAN. What actually distinguishes the two factors is the transmission path. Only if PIN and TAN are transmitted on two different channels, a two factor authentication is given.
What do online merchants have to consider?
First and foremost, payment service providers must adapt their procedures to the PSD2. In order for these adapted procedures to also work in online shops, affected payment plug-ins must be updated.
The responsibilities differ depending on the shop system and payment service provider.
Smartstore.NET is PSD2 ready
Users of the online shop system Smartstore.NET can look forward to the upcoming PSD2 with confidence. Smartstore has made all necessary adjustments for you in the affected payment plug-ins in the current version 3.2.2.
Smartstore AG encourages its customers to update Smartstore.NET until the PSD2 comes into force.
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