You may need to change your Payment processing integration on Magento

August 19, 2019



This is a straight copy - paste from Magento’s email. They do a great job keeping users up to date with this sort of announcement, so, we want to help get the word out.

The European Union’s revised Payment Services Directive (PSD), known as version[PSD2](https://email2.magento.com/NG00MG8s000N5YD0WqV0r2X" target=”_blank” rel="noopener noreferrer” data-saferedirecturl="https://www.google.com/url?q=https://email2.magento.com/NG00MG8s000N5YD0WqV0r2X&source=gmail&ust=1566308950836000&usg=AFQjCNEdSQrgtIZWPSDWbj0zAk6cL8p-Dg), has RTS requirements that go into effect as early as 14 September, 2019. 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.Compliance with PSD2 is the responsibility of every Merchant to whom the directive applies and Magento recommends that all Merchants take the time to review and understand the new directive; including Strong Customer Authentication (SCA) requirements and updates for[3D Secure 2.0 (3DS)](https://email2.magento.com/CG500X0NX0YG0qsr280ND0V" target=”_blank” rel="noopener noreferrer” data-saferedirecturl="https://www.google.com/url?q=https://email2.magento.com/CG500X0NX0YG0qsr280ND0V&source=gmail&ust=1566308950836000&usg=AFQjCNEh6KOWXQJanzJZ0XDgJMXJMirxmQ).

To ensure that customer payments will not be declined as a result of the start of PSD2, Magento is introducing the following changes and recommendations only for payment integrations that are native to Magento.

Payment Provider

Magento Commerce 2.X Recommendation

Magento Commerce 1.X Recommendation

PayPal

Continue using the current Magento built-in integration, as the3DSecure2.0payment flow changes are all handled by PayPal.

3DS 1.0 is supported. 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.

Braintree

Use the[official extension](https://email2.magento.com/uOq000rGVX0s0Y02Y58GDN0" target=”_blank” rel="noopener noreferrer” data-saferedirecturl="https://www.google.com/url?q=https://email2.magento.com/uOq000rGVX0s0Y02Y58GDN0&source=gmail&ust=1566308950836000&usg=AFQjCNEjrmCE8Z1TiFQluO3oRhILfaer7A)(recommended)that will offer 3D Secure 2.0 prior to the deadlineor usethe Magento integration in upcoming version 2.3.3+ or 2.2.10+

[Braintree](https://email2.magento.com/Q0YD0rG0GP2X80qNs00ZV50" target=”_blank” rel="noopener noreferrer” data-saferedirecturl="https://www.google.com/url?q=https://email2.magento.com/Q0YD0rG0GP2X80qNs00ZV50&source=gmail&ust=1566308950836000&usg=AFQjCNFMBZ6wxIELHrS_b2J2gTo12dRRzA)integration supports 3D Secure verification out-of-the-box. Starting with the Magento 2.3.3 release,Braintree integrationwill support3DSecure2.0.

Use the[official extension](https://email2.magento.com/K008VGG00XYQ20sr50Nq0D0" target=”_blank” rel="noopener noreferrer” data-saferedirecturl="https://www.google.com/url?q=https://email2.magento.com/K008VGG00XYQ20sr50Nq0D0&source=gmail&ust=1566308950836000&usg=AFQjCNH5e0_d2PNTLRjygMjGd9bxPi3hvA).

Authorize.net

Usetheofficial extension(recommended)or theMagento integration inupcomingversion 2.3.3+or 2.2.10+with a 3DSecureproviderlike CardinalCommerce.

[Authorize.net](https://email2.magento.com/uRq000rGVX0s0102Y58GDN0" target=”_blank” rel="noopener noreferrer” data-saferedirecturl="https://www.google.com/url?q=https://email2.magento.com/uRq000rGVX0s0102Y58GDN0&source=gmail&ust=1566308950836000&usg=AFQjCNHy_6gyVubNMue81gxT-cqj95cXaQ)provides the ability, via the[Cardholder Authentication](https://email2.magento.com/m000q220V08sNX5rGYS0GD0" target=”_blank” rel="noopener noreferrer” data-saferedirecturl="https://www.google.com/url?q=https://email2.magento.com/m000q220V08sNX5rGYS0GD0&source=gmail&ust=1566308950836000&usg=AFQjCNGbzEpjwTlvpQi2mvlh94rr6KE_9g)request field, to make 3D Secure verification via 3rd party services like[CardinalCommerce](https://email2.magento.com/Y0sVY03q5008r002XGG0TDN" target=”_blank” rel="noopener noreferrer” data-saferedirecturl="https://www.google.com/url?q=https://email2.magento.com/Y0sVY03q5008r002XGG0TDN&source=gmail&ust=1566308950836000&usg=AFQjCNEEaH2YZwpJJ8kIXvKNeWa0XBncYg).Starting with the Magento 2.3.3 release,Authorize.netAcceptJsintegrationwill support 3DS 2.0via CardinalCommerce.

Please check our[Devblog](https://email2.magento.com/uRq000rGVX0s0102Y58GDN0" target=”_blank” rel="noopener noreferrer” data-saferedirecturl="https://www.google.com/url?q=https://email2.magento.com/uRq000rGVX0s0102Y58GDN0&source=gmail&ust=1566308950836000&usg=AFQjCNHy_6gyVubNMue81gxT-cqj95cXaQ)page for updates on official Authorize.net extensions for M1 as they become available.

CyberSource

Use the[official extension](https://email2.magento.com/WG0N4qGVX0U2Ds50080rY00" target=”_blank” rel="noopener noreferrer” data-saferedirecturl="https://www.google.com/url?q=https://email2.magento.com/WG0N4qGVX0U2Ds50080rY00&source=gmail&ust=1566308950836000&usg=AFQjCNFnil7JSEzy1h6T_i_6YHYD-lJY8w).

[Cybersource](https://email2.magento.com/a0200X0N8G0r005DVGqYV5s" target=”_blank” rel="noopener noreferrer” data-saferedirecturl="https://www.google.com/url?q=https://email2.magento.com/a0200X0N8G0r005DVGqYV5s&source=gmail&ust=1566308950836000&usg=AFQjCNHBCWUzpyW6KeIhKgCjP826DGm6Eg)introduced[Payer Authentication API](https://email2.magento.com/c0V0285G0XqG0NsD60rWY00" target=”_blank” rel="noopener noreferrer” data-saferedirecturl="https://www.google.com/url?q=https://email2.magento.com/c0V0285G0XqG0NsD60rWY00&source=gmail&ust=1566308950836000&usg=AFQjCNHEuDP6xnZmTiy0Pl-PbGBb2_RrTg)with 3D Secure 2.0 support for Secure Acceptance Hosted Checkout and Simple Order API. Also, the integration with CardinalCommerce can be used for 3DS verification.

Use the[official extension](https://email2.magento.com/XsX057G0q000DYVr802NGX0" target=”_blank” rel="noopener noreferrer” data-saferedirecturl="https://www.google.com/url?q=https://email2.magento.com/XsX057G0q000DYVr802NGX0&source=gmail&ust=1566308950836000&usg=AFQjCNHmx_Rxwfzf0M2zjCK8se8SpaVvbQ).

eWay

Use the[official extension](https://email2.magento.com/Mq0D080rGYVNs008X05G0Y2" target=”_blank” rel="noopener noreferrer” data-saferedirecturl="https://www.google.com/url?q=https://email2.magento.com/Mq0D080rGYVNs008X05G0Y2&source=gmail&ust=1566308950836000&usg=AFQjCNFQE7rCS8xJPpXSEMJSnAW1I0C4aw).

Use the[official extension](https://email2.magento.com/Q0YD0rG0GZ2X80qNs009V50" target=”_blank” rel="noopener noreferrer” data-saferedirecturl="https://www.google.com/url?q=https://email2.magento.com/Q0YD0rG0GZ2X80qNs009V50&source=gmail&ust=1566308950836000&usg=AFQjCNEtAPYendhVa8oXxPDOuB4AL7zzaw).

For all other payment integrations, check with your payment provider for their recommendations on supporting PSD2’s SCA requirements. You can also find available[Payment Integration extensions](https://email2.magento.com/R00XVrNG8s002050G0DZbq0" target=”_blank” rel="noopener noreferrer” data-saferedirecturl="https://www.google.com/url?q=https://email2.magento.com/R00XVrNG8s002050G0DZbq0&source=gmail&ust=1566308950836000&usg=AFQjCNHcdGwLq3V8g1xqagr6q0j0DAexIA)at the Magento Marketplace.

Please note that as part of these changes, future versions of Magento will deprecate and remove the following core integrations in favor of official payment integrations available on the Magento Marketplace: CyberSource, Authorize.net, eWay, Worldpay.



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