Payment Intents API Requirement for Strong Customer Authentication (SCA) Compliance

Question

Do I have to implement the Payment Intents API to be compliant with Strong Customer Authentication (SCA) regulations in Europe?

Answer

To be compliant with SCA regulations, you will need to implement either the the Payment Intents API or the new Stripe Checkout.

Payment Intents API

The Payment Intents API provides dynamic control over when and how SCA is required, adding access to 3D Secure 2 (3DS2) when 3DS2 is supported by cardholder banks.

New Checkout

Stripe Checkout is a pre-built solution created by Stripe using the the Payment Intents API. Checkout offers a Stripe-hosted and maintained end-to-end experience for you, ensuring that your business and integration are prepared for future regulations with minimal work required.

Additional Information