Jump to content

 

TommyUK

Member Since 24 Jan 2012
Offline Last Active Mar 01 2019 12:38 PM
-----

Topics I've Started

3D Secure 2.0 / Strong Customer Authentication (Sca) ?

27 February 2019 - 10:14 AM

Hi,

 

I've received an email from my payment provider SagePay, as below, about 3D Secure 2.0 / Strong Customer Authentication (SCA) which will come into force on 14 September 2019. 

 

As I use SagePay Form, do these changes involve any essential updates to the CS-cart software?

 

Thanks

 

==

 

 

Important information
 
Mandatory changes to online payment processing
Notice 19-E | 25 February 2019
 
Your merchant bank or acquirer will likely contact you soon about the mandatory changes to online payment processing which will come into force on 14 September 2019. 
 
3D Secure
 
3D Secure, better known as 'Verified by Visa' and 'Mastercard SecureCode' is a customer validation mechanism that was introduced to reduce online card fraud by requiring cardholders to enter a password during the checkout process. The requirement for a cardholder to enter a password was designed to increase validation of the cardholder, and create a liability shift to the cardholder's bank where validation is completely successful, in the event of fraudulent activity.
 
Despite the benefits of 3D Secure, the extra step in the checkout process can have an impact, sometimes leading customers to abandon their purchase because of this extra element in the process or in the event of a forgotten password. 
 
Some merchant banks and acquirers are introducing the changes to 3D Secure from Spring 2019. The aim is to reduce some of these challenges and deliver authentication which still affords your business the same protections.
 
Strong Customer Authentication (SCA)
 
Strong Customer Authentication (SCA) is set to be introduced in September 2019. This is new regulation which applies to online payments within the European Economic Area (EEA) where the cardholder bank and payment provider are both in the EEA.
 
SCA requires a two-step authentication process (also known as 'two factor authentication') for verification of online payments, these include:
 
1. Something you know e.g. PIN.
2. Something you have e.g. mobile phone.
3. Something you are e.g. fingerprint.
 
By September, transactions that don't have this two-step validation may be declined.
 
What do these changes mean for my business?
 
3D Secure 2.0 will support the delivery of the strong customer authentication requirements by acting as part of the 2 step validation process so while they are separate, these updates are linked and both have the aim of improving the customer experience and reducing online fraud.
 
Sage Pay is committed to ensuring that you have the tools you need to benefit from and remain compliant with these new regulations and minimise fraud while maximising checkout conversion. We have already started updating our systems and working with merchant banks and acquirers to bring this to you. 
 
What's next?
 
The way your website is integrated with Sage Pay will determine the steps you need to take to ensure you're ready for these changes. We'll be in touch soon with details of the actions you need to take and we'll send regular reminders with supporting information until the September deadline.
 
Regards,
Sage Pay Customer Services Team

Cs Cart Increases File Size Of Uploaded Detailed Images?

28 July 2018 - 01:22 PM

Hi,

 

I'm uploading jpg images to add to a Product. I upload three images and, after uploading, I noticed the images were slow at showing. When I checked each of them, it seems that CS Cart increases the filesize of each detailed image - comparisons below. The image pixel size dimensions are the same size before and after, which is OK. Also, Settings: Thumbnails shown below.

 

Before Uploading

 

Image 1 = 326 kb

Image 2 = 1322 kb

Image 3 =  642 kb

 

After Uploading

 

Image 1 = 852 kb

Image 2 = 2580 kb

Image 3 = 1425 kb

 

Any one know why this happens? Anything I can do to prevent this?

 
Thanks,
 
Tom