Strong Customer Authentication Support in the EU Region

Card Present Connect enables merchants to process card-present transactions in compliance with global payment regulations and mandates. In response to European Union (EU) updates to industry standards, specifically Payment Services Directive version 2 (PSD2) and Strong Customer Authentication (SCA) requirements,

Visa Acceptance Solutions

now supports SCA transaction processing.

To comply with PSD2, American Express, Mastercard, and Visa use specific authorization response codes to indicate when SCA is required but was not provided in the initial transaction. This temporary transaction decline is known as a

soft decline

. Card Present Connect supports soft decline response codes for card-present EMV contact and contactless transactions.

An authorization response that includes a soft decline response code indicates that the transaction cannot be approved until SCA is performed. The payment technology provider's (PTP) point-of-sale (POS) solution must restart the transaction and request information from the customer to complete SCA. The customer typically completes authentication by providing their PIN. How the customer provides SCA information depends on the card type, payment entry mode, and the soft-decline response code received.