Refactored payment processing in storefront checkout


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Enabled for Public preview General availability
Users by admins, makers, or analysts May 28, 2021 Jul 16, 2021

Business value

This feature reduces the number of authorization requests to the payments processor, resulting in lower payment processing fees. It also adds better support for Strong Customer Authentication (SCA) in the European Union by combining the customer authentication by their bank with the authorization request for the amount due on the order.

Feature details

In Europe, SCA requires that if a customer is paying for an online transaction using a card, the website must support redirecting the customer for authentication as the cardholder directly with their bank. If the customer can be authenticated by their bank prior to the authorization request, the transaction is considered more secure and the liability shifts away from the merchant. Today, that customer authentication is done when the card token is obtained. That card token is then used in a subsequent authorization request. From the merchant's standpoint, that subsequent authorization request does not have a liability shift because it was made using a card token, or card on file. This can cause confusion for merchants using the storefront.

When this feature is enabled, a single request will be made to obtain the card token and authorization. The request will also include SCA redirect. The result is that merchants will see one authorization request that includes the liability shift where SCA is applicable. For merchants subject to SCA requirements and those who are not, this feature will result in fewer authorization requests, which translates into lower processing fees.