New EU legislation comes into force in September, which could impact online payments and donations.
Strong Customer Authentification (SCA) is intended to make online payments more secure. Currently when people make an online payment they are asked to complete at least one security measure, such as putting in a password to help avoid fraud – a process called Customer Authentication.
SCA introduces a new set of enhanced security measures that implement additional customer authentication processes to complete purchases, and which Payment Service Providers (PSPs) will be required to implement and adhere to.
The SCA requirements will apply where a customer either accesses their account online; initiates an electronic payment transaction; or carries out any action through a remote channel which may imply a risk of payment fraud of other abuses.
They will require them to submit two pieces of information from two separate categories during the payment process, that are personal to them, such as something they knows, something they possess and something they are.
It means that from September, anyone who make a donation through a charity’s website or an intermediary may have to go through more authentication steps than those previously required to prove who they are.
“At the very least charities should be being made aware that these changes are happening, and to start thinking as to what this means for the donating experience more generally. For example, they could take longer, and require more effort on the part of the supporter, by adding more ‘friction’ into the giving experience.
“Charities should prepare for this to ensure future fundraising strategies are aligned, as far as possible, while understanding the implications but also the opportunities to take advantage of a number of listed ‘exemptions’.”
Necessary cookies are absolutely essential for the website to function properly. These cookies ensure basic functionalities and security features of the website, anonymously.
|cookielawinfo-checbox-analytics||11 months||This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Analytics".|
|cookielawinfo-checbox-functional||11 months||The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional".|
|cookielawinfo-checbox-others||11 months||This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other.|
|cookielawinfo-checkbox-necessary||11 months||This cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category "Necessary".|
|cookielawinfo-checkbox-performance||11 months||This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Performance".|
Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features.
Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors.
Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc.
Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. These cookies track visitors across websites and collect information to provide customized ads.
Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet.