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PSD2 influence on the process of charging guests credit cards

Hi guys,

we usually charge the guests credit cards online. Anybody is doing the same and has an idea what influence the PSD2 will have on it?

I assume that it wont be possible anymore to simply charge the credit cards anymore? This will cause some trouble in our processes. 

On the otherhand I think this will reduce or completely remove 'invalid credit cards' ?

What are your thoughts about it?



BrookAve 3 years ago

26 Aug 2019

  • SCA comes into effect on 14 September 2019, as part of the new ‘PSD2’ legislation.
  • The Online Payments service will be used to limit impact on properties.
  • There are no planned updates to the Reservations API for the moment.…


How does Online Payments work?

When properties sign up to Online Payments, facilitates payments on their behalf with the help of secure, third-party providers like PayPal. For some partners, that’s every payment, for others it’s just some. Find out about how our payments models work here.

All payments that are facilitated by will have SCA applied – so the accommodation partner won’t need to take any action on these. We’ve gone into more detail about this for you in the Connectivity Partner Help Centre.

If you’re interested in learning more about Online Payments in general, take a look at our handbook: Online Payments: what and why?

The benefits of using Online Payments as an SCA solution:

It already exists – and we can bring it to more partners. Since this product is already up and running, infrastructure is in place and we can act immediately. We’re also in a position to support more accommodation partners by inviting properties not currently using Online Payments to start using the service.

It limits operational impact for properties. Many accommodation partners are already using our two Online Payments models. By using an existing product, we keep disruption to an absolute minimum. 

  • Properties on Model 1 process some payments directly and have others facilitated by All payments facilitated by will be authenticated automatically when necessary. When the property needs to process a payment directly, we’ll provide extra support. 
  • Properties on Model 2 have all of their payments facilitated by This means they won’t have to take any action as a result of SCA. This article provides more information about these models, and how SCA fits into the process. 

Authentication stays part of the payment process. The authentication step will remain a part of one, fluid payment process – keeping things as simple and logical as possible. 

It limits development work for you. Since we’re able to offer a suitable SCA solution for the majority of properties, we aren’t making any updates to the Reservations API right now. This means there’s no additional work to be done on your side at this point in time. (We will also be keeping an eye on the situation and make sure to update you on any changes.)