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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...

8 Apr 2021

The latest UK economic data has been significantly better than expected; check out key insights from the new research.

7 Apr 2021

Despite warnings from leading industry bodies the MHCLG have now confirmed that the simplified planning process for retail to residential conversions will be going ahead

7 Apr 2021

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

1 Apr 2021

The National Living Wage will rise 2.2% to £8.91, the equivalent of more than £345 a year for a full-time employee. Increased cash incentives for employers to hire new apprentices also...

31 Mar 2021

ActSmart have created a guidance document for shops that are now reopening after previously closing 

30 Mar 2021

Following a survey completed by IBDs and key members of the cycling industry, there has been a majority agreement that Local Bike Shop Day should one again be delayed to late summer.

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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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