Strong Customer Authentication (SCA) is a new European regulatory requirement to reduce fraud and make online payments more secure.
SCA took effect on 14 September 2019 and banks are able to decline any payment where Strong Customer Authentication isn't collected.
Will SCA impact me?
If you are a Sendible customer located in the EU, SCA is likely to impact you. Customers outside the EU will not be impacted at this stage though it is likely that this will be introduced in other countries as well in the future.
Most card payments and all bank transfers within Europe will require SCA. Recurring direct debits, however, won't be impacted. During checkout, you will notice an extra step where your bank will prompt you to provide additional information to verify your payment.
If you have a monthly subscription to Sendible, your bank will most likely request additional verification from time to time, even if you have made payments to Sendible for months or years previously.
For more information on Strong Customer Authentication, please see this page.
I'm an EU customer. What are the risks involved?
Even though there are some exemptions with recurring billing, there is a chance we will need to require authentication for every payment. If you fail to take action within a specific timeframe for your plan payment, your Sendible account will be suspended due to the lack of payment. If your account is suspended, all your social media posts will be paused and won’t be published at the scheduled times. Your ability to pull reporting data would also be affected.
If you have a monthly subscription with us, we encourage switching to annual billing to avoid the burden of having to manually approve payments every month. You will also save 15% if you choose to pay annually.