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Rechtsanwalt Marian Härtel - ITMediaLaw

Online retailers don’t need strong customer validation for now

4. September 2019
in Online retail
Reading Time: 2 mins read
0 0
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electronic commerce

From September 14, 2019, payment service providers based in Germany will be allowed to process online credit card payments without strong customer authentication for the time being. The Federal Financial Supervisory Authority will not initially object to this. The aim is to prevent disruptions to online payments and enable a smooth transition to the new requirements of the Second Payment Services Directive, PSD 2 for short.

From September 14, 2019, strong customer authentication will be required for online payments. This is intended to make shopping on the Internet more secure. For credit card payments, it is no longer enough to enter only the credit card number and check number. Customers must also provide a transaction number that was previously sent to their mobile phone, for example, and a password.

According to BaFin’ s assessment, the card-issuing payment service providers in Germany are prepared for the new requirements. The situation is different for companies that use credit card payments on the Internet as payment recipients. They still require considerable adjustment. To ensure that consumers and companies can still pay online by credit card, BaFin will temporarily not insist on strong customer authentication for online credit payments. The European Banking Authority had given this possibility to the national supervisors. The level of security that is already customary for Internet payments remains. Civil liability regulations, for example between the credit card holder and the payment service provider, remain unaffected by the measure, so that consumers and other payers on the Internet are not disadvantaged.

The facilitations are temporary. BaFin will determine when they expire after consulting the market participants and coordinating with the EBA and the national European supervisory authorities. In the meantime, BaFin expects all parties involved to adapt their infrastructures as quickly as possible so that they enable strong customer authentication in the cases provided for by law. Concrete migration plans must be drawn up for this purpose. The simplifications relate exclusively to credit card payments on the Internet.

Background to PSD2

PSD 2 obliges payment service providers to carry out strong customer authentication from September 14, 2019 when the payer initiates an electronic payment transaction. The requirements apply throughout the European Union.

Strong customer authentication uses two independent elements. These must come from two of the three categories of knowledge, possession and inherience. Examples include a password (knowledge), a mobile phone (possession), or a personal fingerprint (inherence).

The requirements for strong customer authentication also apply to credit card payments on the Internet. The usual authentication via the entry of credit card number and check digit does not meet the new requirements. On the contrary, two additional elements from the above categories must also be used here. Exceptions to the new requirements are narrowly limited and concern, for example, certain small amounts payments.

Marian Härtel
Author: Marian Härtel

Marian Härtel ist Rechtsanwalt und Fachanwalt für IT-Recht mit einer über 25-jährigen Erfahrung als Unternehmer und Berater in den Bereichen Games, E-Sport, Blockchain, SaaS und Künstliche Intelligenz. Seine Beratungsschwerpunkte umfassen neben dem IT-Recht insbesondere das Urheberrecht, Medienrecht sowie Wettbewerbsrecht. Er betreut schwerpunktmäßig Start-ups, Agenturen und Influencer, die er in strategischen Fragen, komplexen Vertragsangelegenheiten sowie bei Investitionsprojekten begleitet. Dabei zeichnet sich seine Beratung durch einen interdisziplinären Ansatz aus, der juristische Expertise und langjährige unternehmerische Erfahrung miteinander verbindet. Ziel seiner Tätigkeit ist stets, Mandanten praxisorientierte Lösungen anzubieten und rechtlich fundierte Unterstützung bei der Umsetzung innovativer Geschäftsmodelle zu gewährleisten.

Tags: AuthenticationBankCivil lawConsumerCredit cardCustomizationHaftunginternetserviceSicherheit

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  • Informationen
    • Ideal partner
    • About lawyer Marian Härtel
    • Quick and flexible access
    • Principles as a lawyer
    • Why a lawyer and business consultant?
    • Focus areas of attorney Marian Härtel
      • Focus on start-ups
      • Investment advice
      • Corporate law
      • Cryptocurrencies, Blockchain and Games
      • AI and SaaS
      • Streamers and influencers
      • Games and esports law
      • IT/IP Law
      • Law firm for GMBH,UG, GbR
      • Law firm for IT/IP and media law
    • The everyday life of an IT lawyer
    • How can I help clients?
    • Testimonials
    • Team: Saskia Härtel – WHO AM I?
    • Agile and lean law firm
    • Price overview
    • Various information
      • Terms
      • Privacy policy
      • Imprint
  • Services
    • Support and advice of agencies
    • Contract review and preparation
    • Games law consulting
    • Consulting for influencers and streamers
    • Advice in e-commerce
    • DLT and Blockchain consulting
    • Legal advice in corporate law: from incorporation to structuring
    • Legal compliance and expert opinions
    • Outsourcing – for companies or law firms
    • Booking as speaker
  • News
    • Gloss / Opinion
    • Law on the Internet
    • Online retail
    • Law and computer games
    • Law and Esport
    • Blockchain and web law
    • Data protection Law
    • Copyright
    • Labour law
    • Competition law
    • Corporate
    • EU law
    • Law on the protection of minors
    • Tax
    • Other
    • Internally
  • Podcast
    • ITMediaLaw Podcast
  • Knowledge base
    • Laws
    • Legal terms
    • Contract types
    • Clause types
    • Forms of financing
    • Legal means
    • Authorities
    • Company forms
    • Tax
    • Concepts
  • Videos
    • Information videos – about Marian Härtel
    • Videos – about me (Couch)
    • Blogpost – individual videos
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