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What does SCA actually do? (more declined payments)


theviewer1985

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Hey all,

Firstly, this might be totally coincidental, but I am getting way more declined payments this month compared to usual. It might just be "one of those months".. but since the whole Stripe / SCA thing, I have been on high alert and extra sensitive to declines - worrying it could end up destroying the business in under 30 days. To clarify, I'm in the UK,  use stripe and WHMCS, fully updated (with custom templates that have confirmed to have updated to support it too)

Anyway... my first question, is what does this change actually do on the front end for customers? One of my closest customers got a declined payment with no idea why last month. Out of interest, I thought it a good opportunity to watch her add her new card, from a customer perspective. I was expecting to see some kind of extra security measure. But nope, nothing. Just input a card number, hit save and done. Payment then went through. Incidentally, the new card got declined this month saying "bank card does not support this type of purchase" or something.

Second question, is anyone else having an upturn of declined payments this month?

I guess, my hope is that it's just me... meaning its simply an unlucky month. As opposed to some deeper security change that's starting to break my income.

 

Cheers 🙂

Edited by theviewer1985
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