The end of Zen Cart in Europe? SCA kills payments

[hairydog]

Unless you are able to use PayPal (which proves unreliable for high volume sites) there doesn't seem to be any payment methods that are SCA compliant. Officially, that's not required until 14th March, but increasing numbers of card payments are being declined, seemingly due to lack of SCA.

This seems amazing, and I have to wonder whether Zen Cart has any future if such a major shortcoming can be ignored like this.

[Philibel]

Unless you are able to use PayPal (which proves unreliable for high volume sites) there doesn't seem to be any payment methods that are SCA compliant. Officially, that's not required until 14th March, but increasing numbers of card payments are being declined, seemingly due to lack of SCA.

This seems amazing, and I have to wonder whether Zen Cart has any future if such a major shortcoming can be ignored like this.

I'm using PayPal. So does my hosting provider and many other bigger companies. They even give better percentages when your volume is bigger. Perhaps they're no so easy for businesses which fail to provide the necessary permits. I don't know as our is verified by them ... and the tax department.
Debit bank card, local services like iDeal (NL), Banksys (BE) etc. go though PayNL

I'm even using them under no service, no pay conditions as they only deduct a fee per payment.

I don't have any benefit from this but this is the site of the latter: https://www.pay.nl/en/packages/pioneer
Their plugin on GitHub works for all ZC 1.5.X and I'm using it on ZC 1.5.7c under PHP 7.4
The free package is available for businesses in Belgium, France, Germany, Italy, Luxembourg, The Netherlands and Spain. Other countries have to take at least the Business pack which costs € 50 per month.
"Excessive use" for the free package is more than 100 calls per 60 seconds. (starts dreaming of an office at a tropical beach)
Again no registered business, no service.

[hairydog]

The problem with PayPal is technical. A small percentage of payments time out. It was worse early in the pandemic, but it never went away. The sites I'm talking about have a high turnover and got an extremely good rate from PayPal, but they were losing sales due to the timeouts.
These are UK based stores, selling in pounds sterling. Typically between £80 and £2,000 per order.

[torvista]

As far as I see it,
customer chooses a payment method,
confirms order,
gets redirected to a SCA-compliant payment gateway,
pays/gives a blood sample or whatever the bank demands,
gateway tells ZC about it,
order is registered.

I don't see the problem for Zen Cart, or am I missing something?

[brittainmark]

You can use Square as long as you add the fix https://www.zen-cart.com/showthread....77#post1381277

Would be really useful to get this added to the core.

[swguy]

Mark, the Square fix you linked to is no longer available - would you be able to PR the fix or make a new zip available?

[brittainmark]

You can use Square as long as you add the fix https://www.zen-cart.com/showthread....77#post1381277

Would be really useful to get this added to the core.

Done. Pull request #4624 this have been done against 1.5.8 stream but i do not think it has changed since 1.5.7
Currently in my git hub as brittainmark:Square_SCA_Compliance
You will need the following files
/includes/modules/pages/checkout_payment/jscript_square.php
/includes/modules/payment/square.php
overwrite the originals and it should work.

Please note: This was done by @Rocketsites and @Congerman