Booking.com SCA Requirements
As an agency that lists vacation rentals on Booking.com, I want to ensure that the payment flow is SCA compliant. Right now, some payments from guests fail due to the integration not handling 3D Secure authentication and is not SCA compliant.
Ted Nguyen
shared this idea
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Keith
commented
Here's how to setup payment methods for vebo
I've yet to figure out how to turn off the “pay now” option but I think there is a way to do that
For now we check each payment on stripe to see if it has 3d secure. If not we verify the is provided by the guest and do some investigating. Not ideal but so far effective in avoiding chargeback
https://help.hostfully.com/en/articles/4446365-vrbo-invoice-payment-methods
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Keith
commented
I had the same issue. I did a lot of investigating .
The only way to do this in a way that's compliant is to disable passthrough payments and collect the payment directly from the guest
As it is, when VRBO or booking passes a reservation they send along the credit card data which gets sent to stripe
Because the authenticity of the customer entered data is lost (entered on vrbo but processed by Hostfully) it no longer carries the liability shift.
In order to be compliant the guest has to enter their card info onnhostgully so that the merchant bank can do their verification (sometimes requiring the cardholder to log in or provide two-factor authentication or something else that assures the card information is being used by the authorized cardholder)
I don't believe any form of passthrough processing would ever comply
This does add friction to the booking process as guests would have to know to watch for an email from us with a payment link and have to enter their card data yet again
Ultimately, though, this protects both the card holder and the pm. So it's a workflow we are implementing.
We won't accept any payments that do not have liability shift.