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遵守SCA要求

强客户认证 (SCA) 是欧洲对在线支付的监管要求。Stripe 支付功能可自动处理 3D 安全认证，确保您的欧洲交易符合 PSD2 标准。

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Stripe账户

$900M+
自2015年以来一直在处理
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如何 开始

按照以下4个简单步骤即可开始运行。

1

Process in-person payments normally

In-person payments using chip cards, contactless (Tap to Pay), or PIN entry already satisfy SCA requirements. No additional steps needed—just process payments as usual with your card reader or Tap to Pay.

2

Let Stripe handle online authentication

For card-not-present transactions like payment links or invoices, Stripe automatically determines when 3D Secure authentication is needed and presents the bank's verification screen to your customer.

3

Customer completes verification

When authentication is required, your customer verifies their identity through their banking app, SMS code, or biometrics. Payment for Stripe handles this flow automatically—just wait for confirmation.

4

Review declined authentications

If a customer fails to authenticate or cancels, the payment is declined. You can retry the transaction, and they'll be prompted to authenticate again. Check your Stripe Dashboard for details on failed authentications.

常见的 问题

What is the difference between SCA and 3D Secure?
3D Secure (3DS) is the technology used to fulfill SCA requirements. When SCA is triggered, the customer completes 3D Secure authentication through their bank. Payment for Stripe handles this automatically by presenting the authentication flow when required.
Does SCA apply to in-person card payments?
In-person payments using chip cards, contactless (Tap to Pay), or PIN entry already satisfy SCA requirements through the physical card and terminal interaction. No additional authentication step is needed for card-present transactions.
What happens if authentication fails?
If the customer fails to authenticate or cancels the 3D Secure flow, the payment will be declined. You can retry the payment, and the customer will be prompted to authenticate again. Failed authentications are shown in your Stripe Dashboard.
Do I need to enable SCA in the app?
No configuration is required. Stripe automatically determines when SCA is needed and triggers 3D Secure authentication. Payment for Stripe handles the authentication flow seamlessly, so you and your customers have a frictionless experience.

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