{"id":8475,"date":"2020-11-05T11:27:54","date_gmt":"2020-11-05T11:27:54","guid":{"rendered":"https:\/\/swiipe.com\/?p=8475"},"modified":"2021-09-02T08:51:14","modified_gmt":"2021-09-02T08:51:14","slug":"sca","status":"publish","type":"post","link":"https:\/\/staging.swiipe.com\/en\/sca\/","title":{"rendered":"SCA – Hvad, hvorn\u00e5r og hvorfor?"},"content":{"rendered":"
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Vi kan ikke komme udenom det helt store samtaleemne som vil f\u00e5 en stor betydning for e-commerce verdenen, \u2018SCA\u2019 [Strong Customer Authentication], som kommer til at \u00e6ndre online betaling p\u00e5 nettet i EU fra d. 11. januar 2021.<\/p>\n

Men hvad er SCA, hvad skal du som webshopejer pr\u00e6cis v\u00e6re opm\u00e6rksom p\u00e5, hvorn\u00e5r skal du i gang og hvorfor skal du overhoved l\u00e6re mere om SCA? Det er sp\u00f8rgsm\u00e5l vi ved mange har undret sig over, og derfor har vi skrevet dette blogindl\u00e6g for at klarl\u00e6gge disse sp\u00f8rgsm\u00e5l. \u00a0\u00a0<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Hvad?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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SCA er en forkortelse af Strong Customer Authentication, som skal fungere som en ekstra sikkerhed for online-forbrugerne, da de i fremtiden, i EU, skal give to former for identifikation for at kunne gennemf\u00f8re deres online k\u00f8b. Dette vil v\u00e6re g\u00e6ldende p\u00e5 alle onlinek\u00f8b i EU. De to identifikationsfaktorer skal v\u00e6re noget som betaleren\u00a0ved,\u00a0<\/em>f.eks. et kodeord,\u00a0har<\/em>\u00a0f.eks. en engangskode eller\u00a0is<\/em>\u00a0f.eks. et fingeraftryk.<\/p>\n

Godkendelsesproceduren, SCA, bliver i Danmark ogs\u00e5 omtalt som \u2019St\u00e6rk kundeverifikation\u2019 og denne kan udf\u00f8res ved hj\u00e6lp af 3D Secure eller andre lignende protokoller, som f.eks. SafeKey fra AmericanExpress.<\/p>\n

Dog omfatter SCA-kravet ikke k\u00f8b via postordre og telefon, eller transaktioner hvor enten udsteder eller indl\u00f8ser ikke opererer fra Europa. Dertil kan kortudstederen ogs\u00e5 g\u00f8re undtagelser hvis kunden har vurderet at risikoen for bedrageri ved en transaktion er lav. Dog er der mange regler at tage h\u00f8jde for, men disse er ikke uddybet i dette blogindl\u00e6g. Du kan finde mere information om undtagelser og regler fra kravet om SCA, her:\u00a0https:\/\/ehandel.dk\/e-handlerens-guide-til-sca-og-3d-secure-2-0\/<\/a>.<\/p>\n

Som webshopejer skal du tage fat i din betalingsudbyder, og sikre dig at de har aktiveret 3D Secure. Swiipe er klar til at aktivere det rettidigt, s\u00e5 hvis du er kunde hos Swiipe, beh\u00f8ver du ikke foretage dig yderligere og du kan derfor slappe af og modtage betalinger – ogs\u00e5 efter nyt\u00e5r. Hvis du endnu ikke er kunde hos Swiipe, kan du blive det her:\u00a0https:\/\/swiipe.com<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Hvorn\u00e5r?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Fra d. 11. januar 2021 bliver SCA p\u00e5kr\u00e6vet ved alle elektroniske betalinger, hvor kunden tager initiativet til betalingen, herunder: kortbetaling, konto-til-konto betaling samt wallets som f.eks.
MobilePay. Det er derfor vigtigt at du som webshopejer sikrer at din betalingsl\u00f8sning med din PSP-udbyder er klar til SCA, ellers vil du ikke kunne modtage betalinger p\u00e5 din webshop efter d. 11. januar 2021.<\/p>\n

Det er dog v\u00e6rd at bem\u00e6rke at EU\u2019s gr\u00e6nse for hvorn\u00e5r SCA bliver p\u00e5kr\u00e6vet er 30 \u20ac, som svarer til cirka 225 kr. Dette er ensbetydende med at alle transaktioner under 30 \u20ac hovedsageligt k\u00f8res igennem uden SCA, men man kan dog som forretning v\u00e6lge at s\u00e6tte et lavere max, hvis dette \u00f8nskes.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Hvorfor?\n\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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SCA er en del af EU\u2019s betalingsservicedirektiv2 [PSD2] som skal mindske svindel via kort og g\u00f8re forbrugerne tryggere ved online betaling.<\/p>\n

Det betyder kort sagt at kortudstedere \u2013 som er bankerne \u2013 kun m\u00e5 acceptere onlinebetalinger hvis\u00a0 kundernes kort lever op til de nye krav om 2-faktor identifikation efter d. 11. januar 2021.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Opsummering<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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For at du kan modtage betalinger p\u00e5 nettet efter nyt\u00e5r, er det alts\u00e5 vigtigt at du som webshopejer sikrer dig at du har aktiveret 3D Secure p\u00e5 din webshop. For hvis du ikke har aktiveret dette, kan
du fra d. 11. januar 2021 opleve at dine kunders betalingskort bliver afvist af kortudbyderen.<\/p>\n

Hos Swiipe opfordrer vi til at alle webshops bliver SCA-klar inden nyt\u00e5r, og gerne f\u00f8r b\u00e5de Black Friday og juleshoppingen, s\u00e5 du som webshop-ejer undg\u00e5r at skulle teste en helt ny betalingsl\u00f8sning p\u00e5 den travleste tid p\u00e5 \u00e5ret.<\/p>\n

Alt du skal g\u00f8re som webshop-ejer er alts\u00e5 at s\u00f8rge for at din betalingsudbyder har aktiveret 3D Secure, og hvis du allerede har sikret dig dette, er du klar til at modtage betalinger efter nyt\u00e5r.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Vi kan ikke komme udenom det helt store samtaleemne som vil f\u00e5 en stor betydning for e-commerce verdenen, \u2018SCA\u2019 [Strong Customer Authentication], som kommer til at \u00e6ndre online betaling p\u00e5 nettet i EU fra d. 11. januar 2021. Men hvad er SCA, hvad skal du som webshopejer pr\u00e6cis v\u00e6re opm\u00e6rksom p\u00e5, hvorn\u00e5r skal du i… Read More »<\/a><\/p>","protected":false},"author":7,"featured_media":8523,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":""},"categories":[9],"tags":[],"yoast_head":"\nSCA - Hvad, hvorn\u00e5r og hvorfor? - Swiipe Payments<\/title>\n<meta name=\"description\" content=\"Hvad er SCA, hvorn\u00e5r skal du i gang og hvorfor skal du overhoved l\u00e6re mere om SCA? 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