SCA fallback solution for your Amazon Pay Integration
The Second Payment Services Directive (PSD2) has introduced Strong Customer Authentication (SCA), a set of new requirements for authenticating online payments that will become mandatory in many European jurisdictions on 14 September 2019.
In line with the new regulation, we have launched functionality that enables merchants to show authentication challenges to their customers. To fully benefit from this new functionality, merchants might be required to update their Amazon Pay integration.
If merchants have not updated their integration by 14 September 2019 they will automatically be switched to a fallback solution that meets PSD2 requirements for strong customer authentication. The solution was designed as a fallback option to enable merchants to show SCA challenges to their customers. It does not offer the streamlined user experience a fully upgraded integration provides.
The checkout flow for the fallback option differs depending on the payment authorisation model a merchant uses. In general, merchants adopt one of two models – buyer present (synchronous) and buyer not present (asynchronous) authorisation.
Fallback flow for synchronous authorisations
In the fallback flow for synchronous authorisation customers will have to click button before they’re forwarded to the page where they can complete verification.
Fallback flow for asynchronous authorisations
The fallback flow for asynchronous authorisations will prompt customers to sign in to their Amazon account to complete the verification challenge there.
Amazon Pay strongly recommends all merchants that are using the fallback solution to perform an upgrade of their integration as soon as possible. To find out more, see Upgrading your Amazon Pay integration for PSD2.
If unsure, which authorisation model you use, here a very high-level definition: Merchants using the synchronous authorisation model authorise payments upon every order that is processed. Merchants using the a-synchronous authorisation model never authorise the payment immediately after the order was placed.
Merchants who have not implemented decline handling as recommended by Amazon Pay are not able to benefit from the fallback solution described above. Integrations without decline handling will not support SCA challenges.