Strong Customer Authentication

Overview

SCA (Strong Customer Authentication) adds an extra layer of security for online payments by verifying the end customer through a third party, such as a bank. It is available in Sweden, Norway, Denmark, Finland, and the Netherlands. You will find an overview of the eID methods used per country in the image below:

Process Flow

1. The customer selects Riverty in the checkout and clicks ‘Pay’.
2. Merchant sends an Authorize payment request to Buckaroo.
3. Riverty API decides if SCA is required and sends a response with “outcome”: “Pending processing”.
4. Buckaroo returns a redirect URL for further instructions to complete verification.
5. After verification, the end customer is redirected back to the Merchant’s webpage.
6. The Merchant receives an updated status push message: either ‘success’ or ‘rejected’.
   1. If the order status is accepted, the order is finalized
   2. If the order status is cancelled, expired or pending - the order is not finalized. After 15 minutes the pending order times out, so a new try with a new order number is required.

Example of a Pending Processing Status

{
  "Key": "6B39EAFD858949EAAA5************",
  "Status": {
    "Code": {
      "Code": 791,
      "Description": "Pending processing"
    },
    "SubCode": null,
    "DateTime": "2023-12-20T15:16:13"
  },
  "RequiredAction": {
    "RedirectURL": https://checkout.buckaroo.nl/html/redirect.ashx?r=8DE0DE55F7C24DF0BBC7C***********,
    "RequestedInformation": null,
    "PayRemainderDetails": null,
    "Name": "Redirect",
    "TypeDeprecated": 0
  },
  "Services": null,
  "CustomParameters": null,
  "AdditionalParameters": null,
  "RequestErrors": null,
  "Invoice": "BMSWH6TK1***********",
  "ServiceCode": "afterpay",
  "IsTest": true,
  "Currency": "EUR",
  "AmountDebit": 501.0,
  "TransactionType": "I038",
  "MutationType": 3,
  "RelatedTransactions": null,
  "ConsumerMessage": null,
  "Order": null,
  "IssuingCountry": "NL",
  "StartRecurrent": false,
  "Recurring": false,
  "CustomerName": "John Doe",
  "PayerHash": null,
  "PaymentKey": null
}

}