{"id":3147,"date":"2019-03-13T17:20:59","date_gmt":"2019-03-13T16:20:59","guid":{"rendered":"https:\/\/www.retarus.com\/blog\/us\/paying-online-set-to-become-more-complicated-this-fall"},"modified":"2024-05-07T18:54:21","modified_gmt":"2024-05-07T16:54:21","slug":"paying-online-set-to-become-more-complicated-this-fall","status":"publish","type":"post","link":"https:\/\/www.retarus.com\/blog\/us\/paying-online-set-to-become-more-complicated-this-fall\/","title":{"rendered":"Paying online set to become more complicated this fall"},"content":{"rendered":"\n<p>In the\nmiddle of September a new EU directive is set to come into force, which makes multiple\nor two-fold authentication compulsory for online retail payments.<\/p>\n\n\n\n<p>In real\nterms, this means that for credit card payments the card number, expiry date\nand security code will no longer suffice. The retailer will also need to carry\nout an additional security request to add a safety factor, as explained in this\ndetailed <a href=\"https:\/\/www.welt.de\/wirtschaft\/article190017477\/Amazon-Otto-Zalando-Bezahlen-an-der-Online-Kasse-wird-komplizierter.html?wtmc=socialmedia.twitter.shared.web\">report<\/a>\non the topic published in the German daily \u201cWelt\u201d. Of three potential security\nfeatures &#8211; something that only the customers knows, such as a password or PIN;\nsomething that only the customer has, such as a card or smartphone; something\nthat makes the customer unique, such as a fingerprint, voice or face &#8211; two of\nthem will be required to come into play.<\/p>\n\n\n\n<p>Apart from payments made by credit card, the regulations may well also impact on PayPal. \u201cTraditional\u201d means of payment such as invoice or direct debit remain unaffected, on the other hand, as for these methods authentication takes place elsewhere in the business process. For credit card and PayPal, procedures typical in e-commerce, retailers fear a slowdown in business \u2013 partly because they have already had bad experience with comparable situations where additional loops have been added, for instance \u201cVerified by Visa\u201d or \u201cMastercard Secure Code\u201d. Many smaller suppliers, moreover, fear falling even further behind cash-rich corporations like Amazon or Zalando (through the potential whitelisting of such corporations by the customer\u2019s own bank).<\/p>\n\n\n\n<p>One option for providing an additional authentication factor, in any case, is to employ good old SMS, which can be sent to every cell phone \u2013 even non-smart feature phones which cannot install authentication apps. Using <a href=\"https:\/\/www.retarus.com\/services\/sms\/\">Retarus\u2019 Enterprise SMS Services<\/a>, this can be achieved directly from the e-commerce backend. You can obtain more details and use cases on our website or directly from <a href=\"https:\/\/www.retarus.com\/contact\/\">your local Retarus representative<\/a>. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>In the middle of September a new EU directive is set to come into force, which makes multiple or two-fold authentication compulsory for online retail payments. In real terms, this [&#8230;]<\/p>\n","protected":false},"author":14,"featured_media":3148,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","_s2mail":"","footnotes":""},"categories":[8],"tags":[880,1625,3805,1624],"dipi_cpt_category":[],"class_list":["post-3147","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-2fa","tag-e-commerce","tag-enterprise-sms","tag-payments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.1 (Yoast SEO v24.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Paying online set to become more complicated this fall - Retarus Corporate Blog - US<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.retarus.com\/blog\/us\/paying-online-set-to-become-more-complicated-this-fall\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Paying online set to become more complicated this fall\" \/>\n<meta property=\"og:description\" content=\"In the middle of September a new EU directive is set to come into force, which makes multiple or two-fold authentication compulsory for online retail payments. 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