Will your subscriptions survive SCA?

Strong Customer Authentication (SCA) will have a major impact on subscription businesses collecting online payments using cards. GoCardless can help your business navigate through these new payment rules and keep your subscriptions running smoothly.

GoCardless powers recurring payments for leading subscription businesses

New payment rules are coming. Is your business prepared?

In September 2019, Strong Customer Authentication will come into force in Europe. SCA is a new form of two-factor authentication designed to add an extra layer of security when your customers make a payment online. Although SCA is being implemented to reduce fraud, it will also have a significant impact on website conversion rates by complicating the checkout procedure.

How will SCA impact your subscription business?

1 in 5 online payments will be lost*

1 in 5 online purchases are likely to fail due to increased complexity in the checkout process.

€57 billion loss in revenue**

European businesses stand to lose an estimated €57 billion revenue in the first year after SCA implementation.

Demand on resources

SCA compliance will require product, legal, operations and finance teams to implement large-scale changes to processes.

“We’re delighted to be working with GoCardless to offer Bank Debit as a payment option throughout the UK and Europe, to ensure customers are able to complete quick and easy transactions with DocuSign.”

Robin Joy, SVP of Digital, Demand & Web Sales, DocuSign

SCA will complicate your online checkout process

Until now, customers have been able to simply enter their payment details online and complete their purchase. However, SCA will now require two-factor authentication for a large number of online payments. Under the new rules the payment process will look something like this:

Avoid the SCA headache with GoCardless

GoCardless is fully PSD2 compliant, and paperless Direct Debit mandates used by GoCardless are out of scope for SCA. You’ll be able to collect all your recurring payments with absolutely no additional two-factor authentication required.

Navigate SCA seamlessly with help from GoCardless

No complicated checkout procedures

GoCardless offers smarter online payments, free from the hassle of arduous two-factor authentication.

Protect conversion rates and subscription revenue

Avoiding customer friction at checkout will allow you to prevent a drop in conversion when SCA comes into force.

Always be SCA compliant

Paperless Direct Debit mandates used by GoCardless are out of scope for SCA.

Speak to an SCA expert

GoCardless can help you take recurring payments from your entire subscription base without the hassle of two-factor authentication.

Contact sales

56% of consumers said they were likely to pay for a subscription by Direct Debit to avoid a longer checkout.

Research conducted by GoCardless, security vs convenience in the payment experience, June 2019→ copy 10

Over 100 integrations to help you take payments directly from your existing setup:

* Ravelin, "Ravelin data reveals one in five payments are lost through 3D Secure"

**451 Research, "The Impact of SCA: Shaking up Europe's online economy"

GoCardless Ltd., Sutton Yard, 65 Goswell Road, London, EC1V 7EN, United Kingdom

GoCardless (company registration number 07495895) is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017, registration number 597190, for the provision of payment services.

GoCardless SAS, 23-25 Avenue Mac-Mahon, Paris, 75017, France

GoCardless SAS, an affiliate of GoCardless Ltd (company registration number 834 422 180, R.C.S. PARIS), is authorised by the ACPR (French Prudential Supervision and Resolution Authority), Bank Code (CIB) 17118, for the provision of payment services.