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What do I have to do to make my Magento 1 and Magento 2 stores PSD2 Compliant?


3D Secure v2 (SCA / PSD2) and how does it effect MagentoWhat happens to Magento 1 websites when PSD2 effective on Sep 14th, 2019?Latest PayPal Upgrade NotificationMagento CVV What is this help link not worksMagento Credit Card Hijack - how to make sure I'm safe?Magento Cache, what function does it have?What is best approach to create 100+ stores in Magento?Magento 1 and Auth.net phasing out MD5Magento 2.2.8 and 3D Secure v2 (SCA / PSD2)3D Secure v2 (SCA / PSD2) and how does it effect Magento






.everyoneloves__top-leaderboard:empty,.everyoneloves__mid-leaderboard:empty,.everyoneloves__bot-mid-leaderboard:empty margin-bottom:0;








2















I see inconsistent information regarding Magento and PSD2 Compliance and an implementation date of September 14, 2019. What steps, if any, can be taken to make my Magento 1 store compliant?



Is this a "real" issue for US-based merchants using US banks?



From what I understand, Magento 2 will provide compliance with updated payment gateways, etc. so there's not a lot of mystery there...if I'm understanding it correctly (Source: https://community.magento.com/t5/Magento-DevBlog/3D-Secure-2-0-changes/ba-p/136460)










share|improve this question





















  • 3





    Possible duplicate of 3D Secure v2 (SCA / PSD2) and how does it effect Magento

    – wr125
    Aug 19 at 12:19

















2















I see inconsistent information regarding Magento and PSD2 Compliance and an implementation date of September 14, 2019. What steps, if any, can be taken to make my Magento 1 store compliant?



Is this a "real" issue for US-based merchants using US banks?



From what I understand, Magento 2 will provide compliance with updated payment gateways, etc. so there's not a lot of mystery there...if I'm understanding it correctly (Source: https://community.magento.com/t5/Magento-DevBlog/3D-Secure-2-0-changes/ba-p/136460)










share|improve this question





















  • 3





    Possible duplicate of 3D Secure v2 (SCA / PSD2) and how does it effect Magento

    – wr125
    Aug 19 at 12:19













2












2








2


2






I see inconsistent information regarding Magento and PSD2 Compliance and an implementation date of September 14, 2019. What steps, if any, can be taken to make my Magento 1 store compliant?



Is this a "real" issue for US-based merchants using US banks?



From what I understand, Magento 2 will provide compliance with updated payment gateways, etc. so there's not a lot of mystery there...if I'm understanding it correctly (Source: https://community.magento.com/t5/Magento-DevBlog/3D-Secure-2-0-changes/ba-p/136460)










share|improve this question
















I see inconsistent information regarding Magento and PSD2 Compliance and an implementation date of September 14, 2019. What steps, if any, can be taken to make my Magento 1 store compliant?



Is this a "real" issue for US-based merchants using US banks?



From what I understand, Magento 2 will provide compliance with updated payment gateways, etc. so there's not a lot of mystery there...if I'm understanding it correctly (Source: https://community.magento.com/t5/Magento-DevBlog/3D-Secure-2-0-changes/ba-p/136460)







magento2 magento-1.9 credit-card psd2 3d-secure






share|improve this question















share|improve this question













share|improve this question




share|improve this question








edited Aug 19 at 7:28









Nick Weisser

3972 silver badges17 bronze badges




3972 silver badges17 bronze badges










asked Aug 14 at 15:48









Greg NickoloffGreg Nickoloff

2572 silver badges14 bronze badges




2572 silver badges14 bronze badges










  • 3





    Possible duplicate of 3D Secure v2 (SCA / PSD2) and how does it effect Magento

    – wr125
    Aug 19 at 12:19












  • 3





    Possible duplicate of 3D Secure v2 (SCA / PSD2) and how does it effect Magento

    – wr125
    Aug 19 at 12:19







3




3





Possible duplicate of 3D Secure v2 (SCA / PSD2) and how does it effect Magento

– wr125
Aug 19 at 12:19





Possible duplicate of 3D Secure v2 (SCA / PSD2) and how does it effect Magento

– wr125
Aug 19 at 12:19










2 Answers
2






active

oldest

votes


















2















Some payment implementations as e.g. PayPal use an external payment page, so that merchants shouldn't have to take any action. What confuses me though is a recommendation for Magento Commerce (and Open Source?) 1.x that was sent in a Magento newsletter today:




When and/or where use of 3DS 2.0 is required, Merchants will either need to replace PayPal with Braintree or upgrade to Magento 2.3.x.




I reached out to Piotr Kaminski, who is a Lead Product Manager at Magento and he replied as follows:




The PayPal integration that is in 1.x for some of the PayPal payment methods require use of Cardinal for 3D secure. The Cardinal integration only supports 3DS 1.0. PayPal Standard/Express/HSS Pro is not affected. All the others (PayFlow Pro, PayFlow Link, PP Payments Pro 2.0/3.0, PP Advanced) are affected and the recommendation is to switch to Braintree




If you payment implementation does not redirect to an external payment page, the merchant has to update or replace the payment module to be compliant with PSD2.



Here's another quote from the same Magento newsletter:




This new directive has a significant compliance impact on most payment processing services involving credit cards or bank transfers for goods & services sold to customers in the EU.







share|improve this answer






















  • 1





    Is it me, or is Magento more vague than usual here?

    – Greg Nickoloff
    Aug 20 at 0:14











  • I added some additional info I got from Piotr at Magento.

    – Nick Weisser
    Aug 20 at 8:46


















1















This many no longer be a issue (until March 2021). The FCA have recently announced an 18-month extension ( thanks to wr125 for point that out). I contact sagepay and the have confirmed that the deadline is now March 2021, and while 3d secure v2 will be live on the 14th of September you can still use the old 3d secure v1.



I recommend contacting you payment processor to confirm






share|improve this answer



























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    2 Answers
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    2 Answers
    2






    active

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    active

    oldest

    votes






    active

    oldest

    votes









    2















    Some payment implementations as e.g. PayPal use an external payment page, so that merchants shouldn't have to take any action. What confuses me though is a recommendation for Magento Commerce (and Open Source?) 1.x that was sent in a Magento newsletter today:




    When and/or where use of 3DS 2.0 is required, Merchants will either need to replace PayPal with Braintree or upgrade to Magento 2.3.x.




    I reached out to Piotr Kaminski, who is a Lead Product Manager at Magento and he replied as follows:




    The PayPal integration that is in 1.x for some of the PayPal payment methods require use of Cardinal for 3D secure. The Cardinal integration only supports 3DS 1.0. PayPal Standard/Express/HSS Pro is not affected. All the others (PayFlow Pro, PayFlow Link, PP Payments Pro 2.0/3.0, PP Advanced) are affected and the recommendation is to switch to Braintree




    If you payment implementation does not redirect to an external payment page, the merchant has to update or replace the payment module to be compliant with PSD2.



    Here's another quote from the same Magento newsletter:




    This new directive has a significant compliance impact on most payment processing services involving credit cards or bank transfers for goods & services sold to customers in the EU.







    share|improve this answer






















    • 1





      Is it me, or is Magento more vague than usual here?

      – Greg Nickoloff
      Aug 20 at 0:14











    • I added some additional info I got from Piotr at Magento.

      – Nick Weisser
      Aug 20 at 8:46















    2















    Some payment implementations as e.g. PayPal use an external payment page, so that merchants shouldn't have to take any action. What confuses me though is a recommendation for Magento Commerce (and Open Source?) 1.x that was sent in a Magento newsletter today:




    When and/or where use of 3DS 2.0 is required, Merchants will either need to replace PayPal with Braintree or upgrade to Magento 2.3.x.




    I reached out to Piotr Kaminski, who is a Lead Product Manager at Magento and he replied as follows:




    The PayPal integration that is in 1.x for some of the PayPal payment methods require use of Cardinal for 3D secure. The Cardinal integration only supports 3DS 1.0. PayPal Standard/Express/HSS Pro is not affected. All the others (PayFlow Pro, PayFlow Link, PP Payments Pro 2.0/3.0, PP Advanced) are affected and the recommendation is to switch to Braintree




    If you payment implementation does not redirect to an external payment page, the merchant has to update or replace the payment module to be compliant with PSD2.



    Here's another quote from the same Magento newsletter:




    This new directive has a significant compliance impact on most payment processing services involving credit cards or bank transfers for goods & services sold to customers in the EU.







    share|improve this answer






















    • 1





      Is it me, or is Magento more vague than usual here?

      – Greg Nickoloff
      Aug 20 at 0:14











    • I added some additional info I got from Piotr at Magento.

      – Nick Weisser
      Aug 20 at 8:46













    2














    2










    2









    Some payment implementations as e.g. PayPal use an external payment page, so that merchants shouldn't have to take any action. What confuses me though is a recommendation for Magento Commerce (and Open Source?) 1.x that was sent in a Magento newsletter today:




    When and/or where use of 3DS 2.0 is required, Merchants will either need to replace PayPal with Braintree or upgrade to Magento 2.3.x.




    I reached out to Piotr Kaminski, who is a Lead Product Manager at Magento and he replied as follows:




    The PayPal integration that is in 1.x for some of the PayPal payment methods require use of Cardinal for 3D secure. The Cardinal integration only supports 3DS 1.0. PayPal Standard/Express/HSS Pro is not affected. All the others (PayFlow Pro, PayFlow Link, PP Payments Pro 2.0/3.0, PP Advanced) are affected and the recommendation is to switch to Braintree




    If you payment implementation does not redirect to an external payment page, the merchant has to update or replace the payment module to be compliant with PSD2.



    Here's another quote from the same Magento newsletter:




    This new directive has a significant compliance impact on most payment processing services involving credit cards or bank transfers for goods & services sold to customers in the EU.







    share|improve this answer















    Some payment implementations as e.g. PayPal use an external payment page, so that merchants shouldn't have to take any action. What confuses me though is a recommendation for Magento Commerce (and Open Source?) 1.x that was sent in a Magento newsletter today:




    When and/or where use of 3DS 2.0 is required, Merchants will either need to replace PayPal with Braintree or upgrade to Magento 2.3.x.




    I reached out to Piotr Kaminski, who is a Lead Product Manager at Magento and he replied as follows:




    The PayPal integration that is in 1.x for some of the PayPal payment methods require use of Cardinal for 3D secure. The Cardinal integration only supports 3DS 1.0. PayPal Standard/Express/HSS Pro is not affected. All the others (PayFlow Pro, PayFlow Link, PP Payments Pro 2.0/3.0, PP Advanced) are affected and the recommendation is to switch to Braintree




    If you payment implementation does not redirect to an external payment page, the merchant has to update or replace the payment module to be compliant with PSD2.



    Here's another quote from the same Magento newsletter:




    This new directive has a significant compliance impact on most payment processing services involving credit cards or bank transfers for goods & services sold to customers in the EU.








    share|improve this answer














    share|improve this answer



    share|improve this answer








    edited Aug 23 at 12:18

























    answered Aug 19 at 7:09









    Nick WeisserNick Weisser

    3972 silver badges17 bronze badges




    3972 silver badges17 bronze badges










    • 1





      Is it me, or is Magento more vague than usual here?

      – Greg Nickoloff
      Aug 20 at 0:14











    • I added some additional info I got from Piotr at Magento.

      – Nick Weisser
      Aug 20 at 8:46












    • 1





      Is it me, or is Magento more vague than usual here?

      – Greg Nickoloff
      Aug 20 at 0:14











    • I added some additional info I got from Piotr at Magento.

      – Nick Weisser
      Aug 20 at 8:46







    1




    1





    Is it me, or is Magento more vague than usual here?

    – Greg Nickoloff
    Aug 20 at 0:14





    Is it me, or is Magento more vague than usual here?

    – Greg Nickoloff
    Aug 20 at 0:14













    I added some additional info I got from Piotr at Magento.

    – Nick Weisser
    Aug 20 at 8:46





    I added some additional info I got from Piotr at Magento.

    – Nick Weisser
    Aug 20 at 8:46













    1















    This many no longer be a issue (until March 2021). The FCA have recently announced an 18-month extension ( thanks to wr125 for point that out). I contact sagepay and the have confirmed that the deadline is now March 2021, and while 3d secure v2 will be live on the 14th of September you can still use the old 3d secure v1.



    I recommend contacting you payment processor to confirm






    share|improve this answer





























      1















      This many no longer be a issue (until March 2021). The FCA have recently announced an 18-month extension ( thanks to wr125 for point that out). I contact sagepay and the have confirmed that the deadline is now March 2021, and while 3d secure v2 will be live on the 14th of September you can still use the old 3d secure v1.



      I recommend contacting you payment processor to confirm






      share|improve this answer



























        1














        1










        1









        This many no longer be a issue (until March 2021). The FCA have recently announced an 18-month extension ( thanks to wr125 for point that out). I contact sagepay and the have confirmed that the deadline is now March 2021, and while 3d secure v2 will be live on the 14th of September you can still use the old 3d secure v1.



        I recommend contacting you payment processor to confirm






        share|improve this answer













        This many no longer be a issue (until March 2021). The FCA have recently announced an 18-month extension ( thanks to wr125 for point that out). I contact sagepay and the have confirmed that the deadline is now March 2021, and while 3d secure v2 will be live on the 14th of September you can still use the old 3d secure v1.



        I recommend contacting you payment processor to confirm







        share|improve this answer












        share|improve this answer



        share|improve this answer










        answered Aug 20 at 13:23









        PaddyDPaddyD

        1481 silver badge15 bronze badges




        1481 silver badge15 bronze badges






























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