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#163 – Business in EU, confusion about 3D Secure support options

Posté dans ‘Stripe for VirtueMart’

Ceci est un ticket public. Tout le monde pourra voir son contenu. Ne pas inclure des noms d'utilisateur, mots de passe ou toute autre information sensible.

mardi 28 avril 2020 11:59 IST

Darko

Dear Darko,

Thank you for buying a Stripe subscription with us!

We have opened this private ticket for you in our support system, in order to keep track of the issue. It is way more efficient than a contact form email.

Dear

Please advise me, I read all your documentation but could nont find the answer

I using yours Stripe payment plug-in and I am based in EU so for every transaction I require 3D Secure support

Please tell me which options should I choose :

Enabled (only when 3DS Required)

or

Requested (when 3DS Optional)

first is are Enabled and Required, second is Requested and Optional

Well here we in EU is Requested to have it Im so confused

Thank you and good day.

Now I can reply to you.

Kind regards,
Hervé Boinnard

mardi 28 avril 2020 12:29 IST

herve

I using yours Stripe payment plug-in and I am based in EU so for every transaction I require 3D Secure support

Well, it is true, but in practise, not all banks and financial institutions have enforced Strong Customer Authentication (SCA), where 3D Secure is the most common way of authenticating an online card payment.

So the options we have in our plugin works like this:

Enabled (only when 3DS Required)
3D Secure is enabled only when it is required by the card issuer (a bank or credit card company). If 3D Secure is optional for a card, transactions are processed like regular card payments.
=> the payment flow is frictionless for the customer with a card that does not required 3D Secure.
Requested (when 3DS Optional)
3D Secure is enabled when it is required AND optional by the card issuer.
=> the payment flow adds the 3D Secure layer of protection for the customer with a card that support 3D Secure, even when it is only an option for his/her credit card institution/bank.

Does it make more sense for you? Please let me know if you need further assistance.

Really the choice is on the merchant side. If fraud is happening sometimes, with payment transactions void or charged back, maybe the option Requested (when 3DS Optional) is better? It depends on the products, the market and the customers of each merchant.

More details here:
https://www.puma-it.ie/en/blog/stripe-payments/101-stripe-for-joomla-virtuemart-sca-and-psd-2-questions-and-answers
and here
https://support.stripe.com/questions/strong-customer-authentication-sca-enforcement-date

Kind regards,
Hervé

jeudi 13 août 2020 17:58 IST

Darko

Dear sir
After last payments today I get these message from Stripe

Hello,
Thank you for choosing Stripe! We’re writing because we noticed your account is impacted by a regulatory requirement called Strong Customer Authentication (SCA). SCA requires two-factor authentication on many payments in Europe. Payments that are not authenticated are at risk of being declined by your customers’ banks.

Our account has payments (like this one) in live mode using the Charges API, which does not support the authentication requirements of SCA. We recommend reaching out to your plugin developer about using one of our SCA-ready integration paths to avoid more declined European payments.

Please advise thank you.

Also on our website we have a lot of payments stripe plugins, because we offer also taxi and tourist adventures , but for Virtuemart we using your Stripe plugin.
Here is one company I use them a lot, but they don't work with virtuemart. https://www.lesarbresdesign.info/extensions/payage.
Maybe they can help you in some way. Regards.

vendredi 14 août 2020 16:00 IST

herve

Dear Darko,

Thank you for your message.

The Stripe.com notification that you received is almost normal. They warn all their customer that do not have the latest API and implementation, it seems. Once we migrated completely to Payment Intent, we won't be using the Charge API anymore. Please let us know if you have real payments declined because of SCA or 3DS.

Please also, verify that in the Stripe plugin settings, the method Stripe.js is selected, and not Direct Charge. Otherwise, you should fine for the moment. We hope to have a new major release soon.

Thank you for the suggestion regarding Les Arbres Design. I will look closer at what they are doing.

I am looking forward to hearing from you.

Kind regards,
Hervé

lundi 17 août 2020 19:11 IST

Darko

Thank you for answer

I we get decline any payments I will inform you.

regards.

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Extensions et Services en français

Nous ajoutons, progressivement, la version française des pages et interactions concernant le plugin Stripe pour VirtueMart. Certaines parties sont encore en anglais, merci de votre patience !

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Commentaires sur Stripe pour VirtueMart

Post a review

Stripe Plugin for Virtumart best Ever

12 November 2019 Wendy Webster

Functionality

Once you go through the documentation and try out the settings (and don't forget to test it with a "test item", it works like a dream.

Ease of use

Very easy to use, though a little play with the settings may be needed to get an understanding of the system. And you need a stripe account.

Support

Best support ever. Hervé has been very patient and kind and helped me greatly when the Stripe plugin no longer spoke with the new updates.

Documentation

Documentation is very good. You do need a Stripe account, and you need a little "try out" time to get it all in place.

Value for money

Yes, very much value for money. The plugin, Hervé's support, the easy for the customers to use it. It is all worth it.

I used this to: I use it for my IMRF Bookshop: imrfbookshop(.)org. People can now pay by credit/debit card, Paypal (different plugin) and they can request an invoice and pay by bank transfer.

Owner's reply: Thanks a Million for your excellent review! This means a lot to me. And on a early Tuesday morning, you not only you made my day, but you made my whole week! Please accept my sincere gratitude for your feedback and for your trust in my services.

Works just fine

07 November 2019 Lee Foster

Functionality

I particularly liked that test and live config is entered once, and a radio button to switch between modes

Ease of use

Straight forward to setup in the backend and easy for customers to use on the frontend.

Support

Issues created by an upgrade to Virtuemart were dealt with in a timely manner by the developer.

Documentation

Good documentation library that uses screen shots to clearly show configurations

Value for money

Yes. There are different subscription options, depending on your requirements.

I used this to: Selling various items of merchandise for a sailing club through Virtuemart.

Owner's reply: Thank you so much Lee! I am very grateful for your review and support!

Easy

15 February 2019 Michel Michaels

Functionality

Covers all what I need

Ease of use

Very simple installation and very simple tu use it

Support

Excellent !

Documentation

Nearly good

Value for money

Sure !

Great support! There were some issues with the template we are using, but Hervé was very helpful and competent to find a solution!

Documentation

Value for money

Absolutely worth the money.

I used this to: An Italian online tea shop.

Owner's reply: Thank you very much for your great review, It means a lot to me!

Stripe for Virtuemart

10 April 2015 Lawrence Wilson

Functionality

Functioned perfectly

Ease of use

Easy to use.

Support

Excellent support. Herve installed. Worked perfectly the first time.

Documentation

Easy to understand

Value for money

Worth more... great value.

I used this to: Our Shopping Cart Products on our Website

Convenient Stripe Virtuemart Plugin

17 January 2014 sethtc

This plugin is great! At first I couldn't get it to work with my install of joomla and virtuemart--but the great tech support from Puma-it (Herve) did real right by me, helping me to quickly resolve the problem and get this up and working on my site. Thanks Herve for your great Code and keep up the great work!

Owner's reply: Thank you Sethtc for sharing your review on my plugin and support services! That is the first review, so I feel very proud. Serving our customers as best as we can is rewarding, I know it!

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Reviews are taken from the Joomla Extensions Directory ™ website.