Hotel Mare

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On September 14, 2019, a new regulation called Payment Service Directive 2 (PSD2) will come into force aimed at reducing fraud and increasing the security of online payments. This means that, during the debit (or authorization request) on a card that is not physically present, or remotely, you will need to perform Strong Customer Authentication (SCA).

With Strong Customer Authentication, the identity of your guests must be verified in depth. In other words, the customer must prove that he is the cardholder using 2 authentication methods on the 3 * described below:

*Something that the customer knows (password or PIN), has (phone) or is (fingerprint).

example: If the customer chooses to pay you directly at the Hotel, if you normally charge guests’ cards in their presence (at check-in or at check-out), you can continue to do so as you always have. The SCA should not apply to these cases. If, on the other hand, you charge the customer cards remotely (eg for advance payments, security deposits or penalties for non-presentation), the SCA may have to be applied.

When does Strong Customer Authentication apply?

Strong Customer Authentication will apply in case of debits executed on a credit or debit card issued within the European Economic Area, and if you live there too. Every time you try to debit a card that is not physically inserted in your POS device, Strong Customer Authentication must be applied.