Strong Customer Authentication

We're currently working to fix a known issue with card transactions being declined by some European banks due to recent changes to payment regulations (Strong Customer Authentication). If you're having issues with your membership renewing, this might be the reason.

We will contact everyone affected by email when we have a solution ready.

More info about SCA

On September 14, 2019, Strong Customer Authentication (SCA) requirements went into effect in Europe. These new requirements are part of the revised Payment Services Directive (PSD2) regulations and mandate that additional authentication measures be performed for certain electronic transactions.

However, with the approval of the European Banking Authority, several countries have announced that their implementation will be temporarily delayed or phased, with a final deadline set for 31 December 2020. This had additionally confused the matters, because schedules based on which different countries and issuer banks deploy their SCA compliance vary greatly.

SCA mandates that two-factor authentication be performed on electronic payment transactions involving cards. This means that for automatic membership charges to go through, Blender Development Fund must authenticate the first payment done on our platform with an approved method, such as 3D Secure 2.0.

In what cases will SCA apply?

In Blender Development Fund's case, SCA is required on card transactions in which the bank issuing a card is located within the European Economic Area (EEA).

The affected countries/regions include:

Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and the United Kingdom (including Gibraltar, Guernsey, Jersey, and the Isle of Man).

What does this mean for Blender Development Fund?

Under the regulatory guidelines, exemptions to SCA requirements will be allowed for certain types of transactions:

In accordance with Directive (EU) 2015/2366, exemptions to the principle of strong customer authentication have been defined based on the level of risk, amount, recurrence and the payment channel used for the execution of the payment transaction.

The majority of recurring payments to Developer Fund fall under exemption from SCA, once the authentication has been established in the first payment. Memberships with payment methods charged prior to September 14, 2019 are also exempt from SCA, and should not require an intervention.

However, the final decision on whether the exemption can be claimed on the transaction rests with the issuer on a case-by-case basis as part of the issuing bank’s own risk analysis, and is largely out of our control and the control of our payment processor.

For Blender Development Fund this means that automatic charges for some of the existing memberships will fail until their payment method is updated to one that is authenticated in accordance with SCA.


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