Cómo afecta PSD2, y ASC (SCA) si tienes una tienda online.

Muchos clientes nos están preguntando cómo afecta la nueva Directiva de Servicios de Pago (PSD2) y el ASC (Autenticación Segura de Cliente) a los que tenéis una tienda online.

Os dejamos un vídeo explicando todo esto, pero en resumen (en términos generales, cada caso es un mundo y conviene que lo repaséis):

• La directiva europea afecta sólo al pago online.
• Va a dar más seguridad a tiendas, proveedores y clientes al hacer obligatorio la autenticación de doble factor (2FA).
• La mayoría de las tiendas de PYMES online en España usan proveedores externos (Paypal, Redsys, Servired) para realizar estos pagos por tarjeta. De no ser así, te toca revisar que tu medio de pago cumpla con el ASC. conviene que revises uno por uno y puedes contactarles para asegurarte.
• Como no los cobra la tienda, sino el proveedor, son los proveedores los que tienen que adecuarse a la norma.
• En muchos casos tendréis que actualizar los módulos o plugins (os avisarán en vuestro CMS o vuestro proveedor) para ajustarse a este cambio (sobre todo porque están implementando 3DS2).
• No está de más reflejar estos cambios en vuestra política de privacidad y de contratación o pagos.
• El 14 de Septiembre 2019 es la fecha límite.

Cómo afecta PSD2 y ASC a tu tienda online.

 

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