PSD2 directive on strong customer authentication: important information for shop operators

Does the new PSD2 directive on strong customer authentication affect me as a shop operator?

The new technical regulatory standards of the Payment Service Directive 2 (PSD2) have been defined by the European Banking Authority, and all European shop operators are obliged to ensure improved customer authentication for online purchases.

The requirements for strong customer authentication (SCA) are intended to increase the security of electronic payments and thus protect against fraud when shopping online.

You are affected if you offer payment methods that use a credit card, debit card, or giro/EC card. These can also be so-called payment initiation services such as PayPal, Amazon Pay, etc., which have stored the customer's payment details.
Payments by direct debit, invoice, prepayment, and bank transfer are not affected.

What do I have to do now as the shop operator of a IONOS Online Shop or a MyWebsite shop?

It is your duty to ensure that the payment methods you use are PSD2 compliant, support strong customer authentication, and do not charge any additional fees for payments.

Youdo not need tochange anything in your online shop if you offer the following payment methods to your customers and do not charge any additional fees for payments:

• PayPal
• Mollie
• Stripe
• Square
• Amazon Pay
• Skrill
• Ingenico

If you offer other payment methods, e.g. to accept credit card payments or online bank transfers (e.g. authorize.net, 2checkout), please contact the respective provider's support directly to ensure compliance with strong customer authentication. You may need to make adjustments to the payment gateway.

You may not charge any additional costs for payment. As part of the PSD2 regulation, it is no longer permitted to charge additional costs for a payment (surcharges, surcharges, additional fees). This applies to Visa and Mastercard (except for commercial cards and corporate cards) as well as standard bank transfer and direct debit. This is independent of the selected payment method. Please check whether you charge additional costs for a payment method.