PSD2: Kodi malamulo a E-Commerce yanu akutanthauza chiyani ndipo akuphatikizapo chiyani?

14 September 2019, malangizo a PSD2 pazomwe amalipira, ovomerezedwa ndi Nyumba Yamalamulo ku European mu 2018, adayamba kugwira ntchito. Momwemo adabadwa PSD2, ndiye Payment Service Directive II

Dongosolo la PSD2 likukhudzana ndi njira yolipirira ku European Union.

Koma kodi PSD2 ndi chiyani? Kodi malonda azisintha bwanji?

PSD2 ndi mtundu watsopano wamalangizo a ntchito zolipiritsa, akugwira ntchito ku EU kuyambira pomwe 2007 yatsopano chifukwa sinaphatikizepo malamulo okwanira olipira pa intaneti.

Kope yatsopano idapangidwa kuti iwongolere mbali zina: pangani ndalama kukhala zotetezeka, kuteteza makasitomala ndikulimbikitsa mpikisano pakati pa mabanki ndi mabungwe olipira.

Mbali yatsopano yomwe PSD2 imayambitsa ndiyomwe imalola kuti makasitomala aku banki alole kuti makampani achipani (AISP ndi PISP) ​​azitha kupeza akaunti yawo ya banki kudzera pa API. Mwanjira imeneyi, makampani amatha kulipira m'malo mwa makasitomala.

Mwachidule:

• Ma Payment Initiation Service Provives (PISP), ndi omwe amapereka ntchito zomwe amapereka kwa ogwiritsa ntchito, omwe ali ndi akaunti yolipira pa intaneti, kuthekera koyambitsa kuchititsa kubweza mwachindunji ku akaunti yawo osagwiritsa ntchito khadi yolipira. ngongole;
• Ogwiritsa Ntchito Zidziwitso za Akaunti a Akaunti (AISPs) ndi othandizira omwe amapereka omwe amapereka ogwiritsa ntchito omwe ali ndi akaunti yolipira pa intaneti, kuthekera kophatikizira zidziwitso za akaunti yawo mu chida chimodzi.

Dongosolo la PSD2 likufuna kuteteza makasitomala kudzera mu Strong Customer Authentication (SCA), kudzera muzinthu zitatu:

• chidziwitso: zambiri zomwe zimangopezeka kwa makasitomala, monga mawu achinsinsi kapena pini;
• katundu: chinthu chomwe ndi cha kasitomala, monga khadi la ngongole kapena foni;
• kukhalako: zambiri za biometric pa wogwiritsa ntchito ngati chala, kuzindikira nkhope, ndi zina zambiri.

Malinga ndi kusintha kwaposachedwa, osachepera awiri ayenera kugwiritsidwa ntchito pochita pa $ 30.

Lamulo la PSD2 limakwirira mabanki, mabungwe olipira, makampani ndi makasitomala. Pansipa tilingalira zakusintha kwa bizinesi.

PSD2 ndi E-Commerce: kupereka ndalama zamakono ndi zotetezeka pa e-commerce yanu kumathandizira kukonza ntchito kwa makasitomala anu, ndipo potero amachepetsa zoyipa pabizinesi yanu ya e-commerce.

Kuchokera ku 14 September 2019 ndiye muyenera kupereka SCA kapena 3D Yotetezeka 2.0 pazomwe mukugulitsa zonse, ngakhale modzi mwa maphwando ali kunja kwa EU.

Mabanki aku Europe akana kugulitsa zomwe sizitsata kutsimikizika kwatsopano. Komabe, pali zosiyanapo zokhudzana ndi omwe adzapatsidwe phindu. Pankhani ya kugulitsa kotsikirapo kuposa € 30, mtengo wolipirira wa wogwiritsa ntchito aliyense udzawerengedwa. Malingana ndi kuchuluka kwa zomwe wogulitsa amagwiritsa ntchito zifika ku $ 150, mabanki adzapempha kutsimikizika.

Mabanki sangafunikire kutsimikizika ngati ndalama imodzi ingakhale yocheperako $ 50, ndipo ngati mtengo womwe ungagwiritse ntchito mobwerezabwereza ndi wochepera € 300 pamwezi. Mutha kupeza mndandanda wathunthu wazosankha mu 3-d nkhani ya PSD2.

Ngakhale malamulo a PSD2 amayenera kuteteza ogwiritsa ntchito, kuwonjezera gawo lotsimikizika polipiritsa lingakulitse kuchuluka kwamabagi osiyidwa. Koma popita nthawi, PSD2 ithandiza kuti e-commerce ikhale yotetezeka komanso yodalirika ndipo, chifukwa chake, imakopa ogula ambiri.

Ndiye mungatani tsopano: Gwiritsani ntchito njira zoperekera eWallet ngati Apple Pay, Google Pay, PayPal, ndi zina zambiri.

Njira zolipira izi zimaphatikizapo kutsimikizika kwazinthu ziwiri. Kukhathamiritsa kwa mafoni. 3DS 2.0 idapangidwa pazida zam'manja. Chifukwa chake, ngati malo anu ogulitsira amakhala opangidwa ndi mafoni am'manja, simudzakhala ndi vuto ndiomwe mungagwiritse ntchito, chifukwa kutsimikizika kwa mafoni ndi kwachilendo komanso kosasokoneza.

3D Yotetezeka 1.0 Vs 2.0

Mutha kugwiritsa ntchito kale X XUMXD Chitetezo patsamba lanu.

Tiyeni tiwone zaukadaulo uwu ndikuyesera kuti timvetsetse kusiyana kwakukulu pakati pa 3D Chitetezo 1.0 ndi 3D Chuma 2.0. Chitetezo cha 3D ndi njira yapadera yopangidwira kupewa ntchito zachinyengo ndikupatsa ogwiritsa ntchito malipiro otetezeka pa intaneti. 3DS imagwiritsa ntchito mitundu itatu yoyambira:

• Pezani Khuma ndi malo anu ogulitsa Magento
• Chotsatsira Domain ndi banki yopereka
• Chiyanjano Pakati ndi zomangamanga zomwe zimathandizira protocol ya 3D Chitetezo. Nthawi zambiri, imakhala chipata cholipira

Tiyeni titenge chitsanzo: Makasitomala anu akufuna kugula malaya. Lowetsani zambiri zapa kirediti kadi patsamba lolipira ndikudina batani la Order. Kenako njira yolipirira imayamba. Wogulitsayo akufunsira chitsimikizo cha 3DS kuchokera pa Payment Gateway. Payment Gateway imatumiza pemphelo ku banki. Bank imapereka zofunikira pakutsimikizira ndipo Payment Gateway imafuna kuzindikirika. Pemphelo limalumikizidwa ndi wogula ndipo tsamba lodziwikiratu / lowongolera likuwonetsedwa. Nthawi zambiri nambala ya SMS kapena mawu achinsinsi ayenera kuikidwa. Izi zimatumizidwanso ku Payment Gateway ndipo zimatsimikiziridwa kuti zolipira ndizotetezeka. Banki imatumiza chitsimikizo cha kulipira kwa Merchant kudzera pa Chipata.

Mukapanga kugulitsana, mumalandira dongosolo latsopano pagawo la admin ndipo kasitomala adzawona tsamba lopambana. Monga mukuwonera, njirayi ndi yayitali ndipo imakhala ndi zovuta zina zomwe mtundu wa 2.0 wa dongosololi adapangidwa kuti athetse. Njira yatsopano yotsimikizirira malipiro imagwiritsa ntchito deta yanthawi zonse. Pankhaniyi, banki idzasanthula mayina ndi mayina awo, adilesi yolipira, maimelo, ndi zina zambiri. Ndipo ingopempha kutsimikizika mu 5% yamayesero oopsa.

Masiku ano, zida zam'manja sizimawonetsera nthawi zonse ma 3DS popups kapena makasitomala amatha kuwagulitsa kuti awebusayiti yachinyengo, ukadaulo wosinthawu wayesanso kuthana ndi mavutowa ndikuwathetsa.

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