SCA and 3DS payment issues

Depending on the source of the guest credit card you may experience SCA and 3DS issues. Especially in Europe.

What is Strong Customer Authentication (SCA) and 3DS

Strong Customer Authentication (SCA), a rule in effect as of 14 September 2019, as part of PSD2 regulation in Europe, requires changes to how your European customers authenticate online payments. Card payments require a different user experience, namely 3D Secure, in order to meet SCA requirements. Transactions that don’t follow the new authentication guidelines may be declined by your customers’ banks.

How does SCA affect me?

SCA may not affect you, depending on what booking sites you use and which payment methods are set on each site.

SCA only applies when Uplisting processes guest credit cards on your behalf, via Stripe. Most transactions are SCA ready/compliant. See the table below.

Booking source

Payment method

SCA ready/compliant

Solution

Stripe API used

Uplisting direct booking website

Guest credit card

Yes

No action necessary.

Payment intents

Google

Guest credit card

Yes

No action necessary

Payment intents

Booking.com

Payments by Booking.com (Booking.com takes payment)

Yes

No action required

None

Booking.com

Payment via Guest credit card

No

Booking.com are not currently providing a solution for these credit card payments.

These transactions are likely to fail.

The solution is to move to Payments by Booking.com or send guests the Uplisting booking confirmation page to update their credit card.

All credit card entries via the Uplisting guest facing pages are SCA compliant.

Charge API

Booking.com

Virtual credit cards

Yes

No action required

None

Vrbo

Guest credit cards

Not yet

Uplisting is working on a solution as Vrbo provide 3DS credit card information.

We expect to support 3DS Vrbo guest payments by mid-April 2022.

Payment intents

Airbnb

Not applicable

Airbnb processes payments on your behalf. No action necessary.

None

FAQ's

I'm taking payments directly from a Booking.com guest credit card. What happens if they update their card on Booking.com?

No credit cards, updated or not, coming from Booking.com are 3DS. The solution is to move to Payments by Booking.com or send guests the Uplisting booking confirmation page to update their credit card.


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