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Get SCA Ready: How SCA will affect your payments.

You may have noticed that there are now additional authentication steps required when taking and requesting payment from your customers; This is because of the introduction of Strong Customer Authentication (SCA).

What is SCA?

Strong Customer Authentication is a new requirement for authenticating online payments that was introduced in connection to the EU’s revised Payment Services Directive (PSD2). It aims to reduce fraudulent payments online. 

These requirements officially went into effect on 14 September 2019 and the European Banking Authority mandated that these requirements should be fully enforced by 1 January 2021. Irish and UK institutions are now enacting these requirements.

SCA requires an additional authentication step from individuals when making payments online. Customers will not always be asked to complete this step, but it is more likely with first time customers or high value amounts.

What does this look like?

01  Knowledge: something you know – such as Password or PIN

02  Possession:  something you own – Mobile Phone, Tablet or Hardware Token.

03 Inherence:  something you are – Fingerprint or Facial Recognition.

How will this affect your business?

With SCA, you are more likely to experience failed payments. As SCA is being implemented gradually, customers may not yet be aware of this change and will need to set this up with their banks.

If you are experiencing repeated failed authentications while taking payments, we recommend sending a payment request. If Authentication continues to fail, customers have likely not set up their SCA and should be directed to contact their bank by phone or online to enable online payments.

What do I need to do?

Nothing! SCA needs to be set up by customers in order to use their credit or debit card online. As with any new system, it will take some time for customers to onboard. 

However, if your customers are experiencing this issue, we have included links below, specific to their issuing bank, that will help your customers to enable their online payments

Bank of Ireland:  https://www.bankofireland.com/sca/

Permanent TSB: https://www.permanenttsb.ie/psd2/sca/

AIB: https://aib.ie/secure-internet-shopping

Ulster Bank: https://www.ulsterbank.ie/security-centre/sca.html

KBC: https://www.kbc.ie/pin

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In tips

Why White-Label with Splink

Splink is a white-label solution that provides merchant service providers, banks and financial institutions with the infrastructure to expand quickly and cost effectively into the digital payments space.

By integrating our tech into your product offering, you can help your clients to maximise their transaction volume, create recurring revenue and reduce hardware and processing costs. Additionally, as transaction volumes increase for your clients, your business will benefit from additional processing fees, upsell opportunities, new recurring revenue and a competitive edge that reduces customer churn to your competitors. 

How Splink White-label Can Benefit Your Business?

Time and Speed

Splink allows you to offer additional services to your customers quickly. Our software can be customised to appear fully branded as your own. With Splink, your end client will only see your company name and branding. We can offer our tech, as your product, in a matter of days and weeks, rather than months.

Knowledge and Quality

We have experienced the failures, learnings and costs associated with creating a quality product and can offer the benefits of this to your business for a fraction of the cost of creating it yourself. Our platform has been streamlined and improved to ensure an optimal user experience and a flexible infrastructure, based on feedback and results from our clients over the past 5 years. We offer a superior customer experience, both for users and payees, and a customisable payments solution that can be adapted for your business needs.

Provide Value for Your Customers

Our digital payments solution for businesses reduces waiting times for payments and maximises transaction volume for your clients. For payment providers, merchant service providers and banks, Splink can offer a new or superior solution that helps your customers to increase revenue and helps you to increase retention and recurring revenue.

How Splink White-label Can Benefit Your Customer

We white-label our product, so that you can operate our full product under your own brand.

Get Paid Faster

Get Paid Upfront

No Hardware Cost

Customisable

Cost Effective

Recurring Revenue

Take Payment Anywhere on App

Splink White-label is the perfect solution for your business to expand into digital payments and to compete in an increasingly digitally focused environment. Contact us today to see if we can help your business.

 

Book A Demo Here

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In tips

How to improve your cashflow with these simple tips!

Cash is King but Cash Flow is better. The best way to future proof your business is to ensure you have money coming in when you need it. Understanding and managing your cash flow is key to planning and growing for your future and splink is here to make it easier.

Here’s our 5 Top Tips to Strengthen Your Cash Flow

With our custom Add Ons, we make the process even easier and you can control them all from your splink dashboard.

Here’s how to use them:

 01. Send out invoices early

Giving your customers ample time to pay is key. Send your invoices out early with clear guidelines on what they’re paying for and when it’s due. splink lets you attach an invoice and customise sequencing so your customer knows what and when to pay. Simple.

 02. Offer different payment options

Here at splink we love options. splink lets you accept card payments from all major providers. We even accept Apple Pay and Google Pay, so your customers can pay directly from their phones. No more excuses.

 03. Track payments and send reminders

We all forget things sometimes, especially bills. Especially bills we don’t want to pay. It can be hard to keep calling and emailing customers and clients, even more so when it’s costing you hours of admin time a week. 

Don’t like chasing up payments yourself? We do! splink will pop up just as your customer forgets you and your payment request exists. Our gentle reminders will be sent in sequence to your customers phone or email until the request is paid.

 04. Develop recurring revenue or subscription models

Nothing says Healthy Cash Flow like recurring revenue. Subscriptions? We’ve got it. Installments? We’ve got it. Use our recurring payments feature to set your payment up once and have it automatically pulled from their account; weekly, monthly or annually, you choose.

 05. Utilise your marketing and retargeting customers

How well do you know your customers? We know them pretty well, and you can too. Use our Custom Data capture feature to add data fields to your payments. Emails, invoice numbers, addresses and even how they like their coffee. You ask the questions, we collect the answers. You can use this data to retarget and remarket to your existing customers, and target people like them.

Ready to sign up?

Start your 14 Day FREE Trial here!

splink
In tips

Introducing Our Features- How to Get the Most Out of splink

splink makes it easier than ever to accept online payments. Whether you’re venturing into online trading for the first time or you’re a seasoned digital entrepreneur, splink’s suite of customisable tools means you can quickly create the perfect payment journey for your customers. 

splink is comprised of
3 main features

With our custom Add Ons, we make the process even easier and you can control them all from your splink dashboard.

Here’s how to use them:

 01. Take Payment

Take card payments instantly; in person or over the phone. Forget about expensive and long hand terminal contracts, with splink your device is the terminal. As long as you have a desktop or mobile device, splink has you covered.

Worried about keeping track? You can see all of your payments on your splink dashboard. No need to worry about receipts either, we’ll send your customer a personalised receipt with all the details, straight to their inbox.

 02. Request Payment

Send payment requests straight to your customers phone, email or both.  Using our Custom SMS feature and our Invoice feature, customers know exactly who they’re paying and what they’re paying for. With our ability to accept Google Pay and Apple Pay, it’s even easier for your customers to pay you directly from their phone!

Need to set up a payment plan? Whether it’s a subscription,a debtor or a flexible plan for new sales, you can set up weekly, monthly or annual payments that will pull directly from your customers account with our recurring payment feature. And don’t worry about unpaid requests, we’ll send gentle reminders until the request is paid.

 03. Shop

Send payment requests straight to your customers phone, email or both.  Using our Custom SMS feature and our Invoice feature, customers know exactly who they’re paying and what they’re paying for. With our ability to accept Google Pay and Apple Pay, it’s even easier for your customers to pay you directly from their phone!

Need to set up a payment plan? Whether it’s a subscription,a debtor or a flexible plan for new sales, you can set up weekly, monthly or annual payments that will pull directly from your customers account with our recurring payment feature. And don’t worry about unpaid requests, we’ll send gentle reminders until the request is paid.

Other Cool Features Include

Channels

Streamline your streams of income. Channels let you sort payments into different categories so you can keep track. Channels allows you to create unlimited individual payment links that can be tracked through the splink dashboard.

Website Pay Widget

If you already have a website set up and are simply looking for a payment option, we also offer a Website Pay Widget which offers you all of the benefits of splink on your existing platform. k dashboard.

Payment Notifications

Receive a payment notification via email and SMS each time you receive a payment from a customer. Searching for and reconciling payments will be a thing of the past. 

Ready to sign up?

Start your 14 Day FREE Trial here!

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