perqin

[pliant path]

Hi there, 3DS is an authentication standard for online payment, so it's not applicable to terminal.

[fair vault]

Maybe I've got confused with 3DS and SCA. Does Stripe Terminal meets SCA? What additional effort should be made for our integration to meet SCA?

[pliant path]

Offline card transactions typically fulfill SCA requirements with PIN entry. So you need to use a PIN-enabled reader such as WisePosE, not M2 or Chipper 2X which doesn't have a PIN pad.

[fair vault]

Does it mean that readers without PIN pad (like M2) is not SCA ready, and the customers have to try another payment method if their cards are declined due to SCA authentication request?

[pliant path]

https://support.stripe.com/questions/stripe-terminal-support-for-pin-debit-transactions different regions have different requirement for PIN, so if your business is mainly in US, you don't need a PIN reader because no PIN is required.

[fair vault]

Oh I see. So: for business in those Europe countries where SCA is required, use a PIN reader; for business in other countries like US, a reader without PIN pad is OK.

[pliant path]

Yes you are right

[fair vault]

So we could just follow the documentation and implement the "create - collect - process - capture" payment flow without handling SCA authentication in our code, and the PIN reader will take care of it for us, right?

[pliant path]

Yes

[fair vault]

Ok now I figure it out. Great thanks!