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IMPORTANT New Payment Authentication Measures For Sage Pay, Paypal & Other Providers

Payment Services Directive (PSD) 2, Strong Customer Authentication and 3D Secure v2 
Effective: 14th September 2019

What Is PSD2?

PSD2 is an EU Directive which uses additional security authentications for ecommerce transactions to help reduce the increasing costs of payment fraud. This will typically mean that during the shopping process the buyer enters a pin code, as per 3D secure already in effect, via a trusted device or with fingerprint reading. You can read more in this Sage Pay article.

Who Does It Affect?

This regulation applies to any electronic payment that takes place within the European Economic Area (EEA). For ecommerce card-based transactions (including digital wallets backed by cards), it applies to transactions where both the card issuer (i.e. financial institution with whom cardholder has relationship) and the acquirer (i.e. financial institution with whom merchant has relationship) both reside within the EEA.  If you trade within the EEA then you are affected.

Which Payment Processors Are Affected?

All processors which handle EEA payments, including Sage Pay, Paypal, ePDQ etc.

Is REC+ Ready For This Change?

Yes.

All payment processing is handled by the payment processors, rather than on your REC+ site, and they will need to comply and update their systems accordingly. You do not need to make any changes on your REC+ website.

Is There Anything I Should Be Doing Before 14th September?

Check via your payment processors to ensure your payment settings have 3D Secure enabled prior to September (if not already enabled). European issuers are likely to start declining electronic payment transactions that have no authentication in place. Read more about this for Sage Pay or refer to your own payment processor for more information. 

NB There are no changes needed in REC+

Who Can I Talk To For More Advice Or Setting Up 3D Secure?

Contact your payment processors directly for support and advice. 


New In REC+: Module search & sub module relationships, coupon manager, payment method limits & much more inside

We've had a great mix of new features and improvements to the system to roll out this month, let's dive right in:

Ecommerce

  • Selectively display Payment Processors to specified user groups
    This lets you select which payment processors will show for selected user groups. For example, users in your 'Dealers' user group will only be given an invoice payment option when the 'Invoice' payment processor is set to work with the 'Dealer' user group.  To set this up go to:
    Edit Payment Processor > "Only show this payment method if customer is in the following group(s)" and select the required group(s).
    Having no checkboxes ticked means it will show for everyone & this will apply if the user is in any of the 3 available user group categories.
  • Autoparts Product Sales Report
    There is a new sales report for autoparts sites which allows selection of vehicle by Make Model Year so you can hone in on specific vehicles. Go to:
    Reports > Autoparts Product Sales
  • Coupon Manager Loading Time Improvement
    Coupon Manager loading time has been improved by splitting out unexpired coupons, expired coupons and Gift Vouchers into their own tabs and dynamically loading in the 'times used' count to show the last 6 months for successful orders where the coupon has been used. It is possible to select a different time range if required. 
    Coupon Manager > Coupons, Gift Vouchers & Expired Tabs
    Coupon Manager > Used Count Range
  • Price lists main body app now show group based prices
    Group prices are displayed for logged in users and there is also a new switch for price lists main body app to show inc/ex vat prices
    Site Settings > Prices & VAT > Display both inc VAT and ex VAT on the Price List app
  • Product Filter > default page content
    This new setting allows you to change the default page when no filters are selected on product filter, rather than showing all products as it does by default.
    Product Filters App Manager > Show default page
    Which you can edit in Page Manager > System > product_filter_default

Forms

  • Form builder rating/score fields
    Allowing you to capture business KPI scores such as Net Promoter Score (NPS), Customer Effort Score (CES) & Customer Satisfaction Score (CSAT)
    Form Builder > Field Type > Rating - Uses min and max to set the from and to (default to 1-5 if fields are blank). Splits Explainer text on comma's to display labels underneath (e.g. Very Difficult -> Very Easy).
  • Form builder display labels
    These let you set different labels for fields for admins vs the ones users see.
    Useful for the new scores system so you can ask users a question as the field label, but have it in admin show as your score name.
    Form Builder > Display Label - "Hidden" in a details element, changes the label on the front end if filled in.
  • Form builder logic conditions for ‘more than’ or ‘less than’ values
    Useful for building processes based on scores, for example send an email to an admin if a score is very low, or other numerical comparisons.
    Form Builder > Logic Filter > Condition - "Less than or equal to" and "More than or equal to".

Designer

  • Module Relationships
    It is now possible to build relationships between modules, so that you can associate / select data between modules. E.g. a books module that has submodules of authors. When adding data to the book module items you can select an author in a drop down menu which comes from the authors module. In addition, when displaying the book on the page, it pulls in the author name and picture from the author module. This helps ensure data consistency for common fields during data entry and to build more complex web page applications. 
    Add/Edit Module > Field Type > Module:XXXX
    Template Function: module_parents() allows you to reverse lookup relations from the related items, e.g. books can have authors as a submodule, but this would let you access the books from an author page the other way around. 
  • Module search
    You can now setup searches for modules based on specific fields you can define.
    Add/Edit Module > Fields > Searchable
    Note: Module Item names are inherently searchable
    Simple demo: https://gist.github.com/stilliard/284a446e810622173d4cc9e5d256a7a4
    More complex demo: https://gist.github.com/stilliard/57cf2d5b2a3470c347cc3953e0ae0140
  • Checkout & thanks text templates
    Edit the thanks page template in Templates > html/checkout/order_thanks.html.twig
    Edit the checkout top text area template in Templates > html/checkout/order_confirm.html.twig
  • Documentation updated for Twig functions/filters supported
    We've now fully documented all the template functions and filters we've added to Twig: https://reallyeasycart.freshdesk.com/support/solutions/articles/210155

Development

  • Linkedin v2 API
    We've upgraded our LinkedIn connection as per their new integration rules.
    If you're using the Linkedin integration, please reconnect today and make a test post.
  • StopFormSpam integration now uses a confidence threshold
    This score enables us to be smarter about blocking form replies based on how likely someone is a spammer.
  • Improved RASP security & XSS detection
    As well as following secure development practices and having external scanning tools audit our security, we also have internal checks like this to detect attacks at runtime. 
  • PHP 7.3
    Continuing our always ongoing upgrades, we're preping to upgrade to PHP7.3, ready to migrate to stay within supported software versions when 7.2 goes out of support in December 2020 though we aim to upgrade long before this. 

 


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