If you accept payments online or develop web apps that do, you may have noticed some new acronyms like “SCA”, “PSD2”, and “3DS2.0” floating around. As the world of online payments continues to evolve, new regulations and new technologies to support these regulations, become necessary to understand and comply with. This article aims to clarify what is changing with how you accept payments online.
One of the biggest requests we receive from our members and users alike is “I would like to use [insert payment gateway name]. Do you have an integration for it and if not can you develop it for me?”
We occasionally hear that a customer cannot complete checkout on their site using a valid credit card. The card is declined at checkout, or the card is declined when a recurring payment is processed. In some cases, the site owner can process the card directly through the virtual terminal, so its clear the card is valid. So why is the payment gateway rejecting the card?