How Kajabi supports payment authentication

Kajabi helps you comply with authentication guidelines such as Strong Customer Authentication (SCA) and provides options to customize your customers’ purchase experience. Whether you use Kajabi Payments, Stripe, or PayPal, your checkout process is built to meet authentication requirements.

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What is payment authentication?

Payment authentication is the process of confirming a customer’s identity to successfully process a transaction:

• First, a purchase is initiated.
• Then, the customer authenticates the transaction.
• After authentication is successful, the purchase is completed.

Payment authentication requirements come in many forms, such as Strong Customer Authentication (SCA).

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Strong Customer Authentication

The Strong Customer Authentication (SCA) is a European regulatory requirement designed to reduce fraud and make online payments more secure. Transactions that don’t follow the SCA authentication guidelines may be declined by your customers’ banks. Learn more about SCA from Stripe. Not sure if your business is affected by SCA? Learn about businesses affected by SCA.

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Is Kajabi compliant?

As authentication requirements evolved, Kajabi worked to ensure that knowledge entrepreneurs had the tools necessary to meet these changes. This requirement drove proactive change and Kajabi has supported authentication from the start. Kajabi Payments and partnerships with Stripe and PayPal provide the necessary tools to comply with various authentication requirements without any extra setup or work for you.

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How Kajabi supports authentication

With Kajabi, you can feel confident knowing that your checkout process meets authentication requirements without needing to lift a finger. Kajabi Payments ensures that transactions on your site have the required authentication. And with Kajabi’s strong partnerships with Stripe and PayPal, you can feel confident that transactions on your site have the required authentication. With PayPal, authentication is done for you. If authentication is required, PayPal completes the authentication process separately from Kajabi. Learn how PayPal handles authentication What about Stripe? Kajabi works closely with Stripe to ensure that your site complies with authentication requirements by using Stripe’s 3D Secure. If a customer is required to complete authentication to process their transaction, they are immediately prompted to authenticate their payment through their bank before proceeding. Customers with an off-session or offline payment that must be authenticated outside of the checkout process (like a recurring payment) will receive an email prompting them to authorize the transaction.

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What will my customers see?

If a transaction occurs on your site that requires authentication, your customer’s experience will vary depending on:

• The financial institution of the card used for payment (the card Issuing Bank)
• And the status of the transaction when authentication is required (i.e., in-checkout or off-session)

A transaction that occurs during the checkout process is referred to as the in-checkout experience whereas the transaction that occurs outside of the checkout process is referred to as the off-session experience. The in-checkout or off-session status will determine your customers’ experience if authentication is required. With Kajabi, your customers that require authentication are given every opportunity to authenticate their transactions to continue accessing the value you offer.

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In-checkout experience

If your customer requires authentication during the checkout process, they will be prompted to authorize the transaction immediately following the completion of the Offer Checkout Page. There, your customer will be asked to verify their identity by the method their bank requires. Once verified, your customer will continue with the checkout process to access their purchased content. Learn more about the checkout process on Kajabi

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Off-session experience

A financial institution can request authentication for a transaction outside the checkout process. This is referred to as the off-session experience. This can occur if a customer requires authentication for transactions outside of the checkout page, such as a recurring subscription. If authentication is required outside of the checkout process, both you and your Member will receive an email notification to inform you that authentication is required. Email notification: After receiving the email notification, your Member has a specified number of days to authenticate their payment to maintain their subscription. If the subscription has been fully canceled, the Offer access will be revoked at the end of the current billing cycle. If your Member attempts to log into their Library page while the authorization is pending they will be directed to complete authentication immediately after logging in.

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Can I change the email copy sent to my customers?

Yes, you can edit the automated emails sent by your site to best represent your language and brand. Learn how to edit automated emails To edit the email notification sent to your customers that require authentication:

• Open the Settings tab from your Dashboard.
• Select the Email Templates card from your Site Settings.
• Then, click Member Payment Action Required to begin editing:

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Don’t want to be notified every time a customer requires authentication?

Update email preferences:

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What do I need to do?

If you choose to process payments through Kajabi Payments or PayPal, authentication is automatically handled for you, so you don’t have to do anything. Similar to PayPal, Kajabi’s integration with Stripe automatically handles authentication for you. However, with Stripe, you have the ability to customize your Stripe account to modify your 3D Secure settings such as:

• The length of time before Stripe performs an action if authentication is incomplete
• The action Stripe should perform at the conclusion of your selected time period

Learn more from Stripe In short, no matter which payment processor you choose (Stripe or PayPal), you can feel confident knowing that with Kajabi your checkout process is built to protect your business.