Strong Customer Authentication (SCA) on Scheduler App

Strong Customer Authentication (SCA) in MyTime enhances the security of credit card payments and reduces the risk of fraud for Stripe forms. In this article, we will explore how SCA works on the MyTime scheduler app. 

Things to know:

• Currently, SCA is supported only in the UK and Europe.
• This is controlled by two hidden settings (one for regular credit card transactions and the other for one-time credit card transactions {MOTO}) that only the MyTime team can enable. To enable the hidden settings, please contact our Support Team at support@mytime.com.
• The MOTO hidden setting will instruct Stripe to inform the client’s bank that this is a MOTO transaction and that special consideration has to be given for using the card off-session. However, the moto flag is ignored if you indicate that the card needs to be saved on the client’s profile.
• The ability to save a client's card on file is governed by the "Store Client Credit Cards?" setting
• It's important to remember that when we store a client's card that requires SCA, we ask Stripe to restrict its use to transactions in which the client is not present or in session. As a result, all upcoming transactions are labeled as client off-session. Stripe will then utilize the client's directive that we obtained to use their card for future transactions to negotiate payment with the bank. The majority of the time, this should lead to a successful transaction based on industry norms, but there is no assurance. The bank will ultimately determine whether or not such use is permitted and whether or not ALL future transactions require verification. If the latter, we will reject such transactions and provide a suitable error notice.
• If the client changes their mind about the verification or the verification fails for any reason, the client will be notified and instructed to select an alternative payment method.
• When adding a card that requires SCA to the client's profile, appointment modal, or POS on the scheduler app, you'll need to follow a few additional steps to enable client authentication for the card being added or charged.

Contents:

• SCA in POS
• SCA for Client Profiles
• SCA on Appointment Modal

SCA in POS

1. Log into the app. For details on how to, learn more here
2. Once signed in you will be directed to the schedule by default
3. Tap the "POS" icon at the bottom of the screen  
4. Add your client, item (product, membership, packages, services, attendee) and quantity
5. Click 'Pay' at the top right-hand corner of the screen    
6. Click +Credit Card                                                           
7. Enter the card details and then click 'Charge' in the top right-hand corner of the screen
8. A pop-up will then appear to send the verification to the client. This verification can be sent via email or SMS using the send verification dropdown > Enter the client's email address or phone number then click 'Ok'                                                   
9. An email or SMS (depending on which was selected) will be sent to the client with a link to click to complete the verification
   • When your clients receive the SMS, they will be required to click the link in the text message
   • When your clients receive the email, they will be required to click the "Complete Verification"
10. They will be directed to a new tab where they can verify the action by selecting "Verify Payment Method"                                                                                                                                                                                                                                                                                                            
11. The bank verification could be as simple as this example, but it will most likely involve entering a PIN or some other form of identification between the client and their bank. Click "Complete"                                                                                                                                                                                                       
12. The verification is complete and your clients will see a green confirmation message and instructions to close the window                                                                                                                                                                                                                                                                                                                                                                                                                                              
13. In POS on the scheduler app, you will be presented with a line that indicates the status of the transaction:
    • Check Status: This will query the system for the current status of the transaction
    • Send Verification: This allows you to resend the verification via email/SMS to the client in case they did not receive it initially
    • Cancel: This allows you to cancel or void the transaction
14. After refreshing the page, the card will be added and charged 
15. Click "Finish" to close the ticket                                      

SCA for Client Profiles 

1. Log into the app. For details on how to, learn more here
2. Once signed in you will be directed to the schedule by default
3. Tap the "Clients" icon at the bottom of the screen 
4. Click on the search icon (magnifying glass) at the top of the screen to search for the client                                                                                                        
5. When the client's profile opens, click the + Add Card in the payment methods section
6. Enter the card details > Click 'Save' at the top right-hand corner of the screen  
7. A pop-up will then appear to send the verification to the client. This verification can be sent via email or SMS using the send verification dropdown > Enter the client's email address or phone number then click 'Ok'                                                                                                                                                                                                                                                                                                                                                                   
8. An email or SMS (depending on which was selected) will be sent to the client with a link to click to complete the verification
   • When your clients receive the SMS, they will be required to click the link in the text message
   • When your clients receive the email, they will be required to click the "Complete Verification"
9. They will be directed to a new tab where they can verify the action by selecting "Verify Payment Method"                                                                                                                                                                                                                                                                                        
10. The bank verification could be as simple as this example, but it will most likely involve entering a PIN or some other form of identification between the client and their bank. Click "Complete"                                                                          
11. The verification is complete and your clients will see a green confirmation message and instructions to close the window                                                                                                                                                                                                                                                                                                                                                                                                                                                            
12. On the client profile in the scheduler app, you will be presented with a line that indicates the status of the transaction:
    • Check Status: This will query the system for the current status of the transaction
    • Send Verification: This allows you to resend the verification via email/SMS to the client in case they did not receive it initially
13. After refreshing the page, you will see that the card has been added by the green confirmation message presented on the client's profile                                                                                                                                                                                                                                                                                                              

SCA on Appointment Modal

1. Log into the app. For details on how to, learn more here
2. Once signed in you will be directed to the schedule by default
3. Locate and open the appointment you wish to check out 
4. Click "Add Card"                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
5. Enter the card details > Click 'Save' at the top right-hand corner of the screen  
6. A pop-up will then appear to send the verification to the client. This verification can be sent via email or SMS using the send verification dropdown > Enter the client's email address or phone number then click 'Ok'                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
7. An email or SMS (depending on which was selected) will be sent to the client with a link to click to complete the verification
   • When your clients receive the SMS, they will be required to click the link in the text message
   • When your clients receive the email, they will be required to click the "Complete Verification"
8. They will be directed to a new tab where they can verify the action by selecting "Verify Payment Method"                                                                                                                                                                                                                                                                                                   
9. The bank verification could be as simple as this example, but it will most likely involve entering a PIN or some other form of identification between the client and their bank. Click "Complete"                                                                                                                                                                                                                                                                                                                                                                                            
10. The verification is complete and your clients will see a green confirmation message and instructions to close the window                                                                                                                                                                                                                                                                                                                                                                                                                                                 
11. On the appointment modal, after refreshing the page, the card will be added                                                                                                                                                                                                                                                                                                                                                                                        

For more information, contact us at support@mytime.com or (385) 233-6964.    

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