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27 Apr 2021

Defra has just confirmed that the amendments to the Single Use Carrier Bags Charges (England) Order 2015 will not be coming into force on 30th April 2021 as originally...

26 Apr 2021

A summary of what each party's manifesto will mean for small shops ahead of the Welsh Parliamentary elections on 6th May.

23 Apr 2021

A summary of what each party's manifesto will mean for small shops ahead of the Scottish Parliamentary elections on 6th May.

22 Apr 2021

Maybe* investigate how Aldi used their #freecuthbert campaign to drive social media engagement and brand sentiment.

22 Apr 2021

Total online job ads hit 100% of their February 2020 average level, a rise of three percentage points from a week earlier. If you're looking to take on new staff look no further than the ACT job...

22 Apr 2021

Members of the IRC and wider retail industry comes together to tackle verbal and physical abuse against shopworkers  

14 Apr 2021

Maybe* take a look at how two independent businesses have used social media tactics to drive their businesses forwards.

14 Apr 2021

High streets across England and Wales have witnessed an immediate comeback in footfall as non-essential retailers reopened on Monday for the first time in over three months.

13 Apr 2021

The DfT has announced £18 million for Bikeability cycling proficiency training scheme, which fits in well with Local Bike Shop Day's aims of encouraging children to cycle back to school

9 Apr 2021

The APPGCW's e-scooter trials meeting will take place on 23rd April, and the special event with Jeremy Vine, Isabel Hardman and Peter Walker about their recent book releases will be on 29th...

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Updated guidance on Strong Customer Authentication (SCA)

Posted on in Business News , Cycles News

UK Finance have announced that from 1 June 2021 you must be ready to support Strong Customer Authentication (SCA) if your business accepts online card payments.

If your online checkout for card payments does not meet the new legal requirements for SCA, customers may not be able to buy from you.

Strong Customer Authentication is the way your bank or payment services provider verifies your identity or validates a specific payment instruction is changing. These changes are designed to reduce the risk of a fraudster pretending to be you to steal your money. Your customers' checkout experience will be different, they will be required to complete an extra security step to complete the purchase. 


What do I need to do now to minimise business disruption?

  1. Contact the organisation responsible for processing your online card payments for help getting ready
  2. Familiarise yourself with SCA and understand the impact on your customers' checkout experience
  3. Update and test your checkout processes well in advance of 1 June 2021 to minimise your customers' online card payments from being declined

The benefits of SCA:

✓ Reduced fraudulent transactions - reducing your losses
✓ Improved customer satisfaction - confidence and loyalty
✓ Shift in liability - from you to your customer's card provider

What could happen if I'm not ready?

X Loss of online sales - customers abandoning or being declined at checkout
X Loss of customers - to more secure competitors
X Reduced customer satisfaction - due to increased friction and payments being declined 

Finding the best card processing service for you

The ACT and ActSmart have partnered with two card processing partners to ensure the we can provide the best solution for all business.
We recommend Global Payments for established businesses with medium to high card turnover and Paya Card Services for new and smaller businesses with lower card volumes.
To find out more about which service is best for your business please visit the ActSmart site here or ACT site here.

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