Call for Implementations: Secure Payment Confirmation published as a W3C Candidate Recommendation

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Screenshot of SPC transaction dialog in Chrome

The Web Payments Working Group today published a Candidate Recommendation for Secure Payment Confirmation (SPC), a standardization milestone for a new browser capability that helps to streamline user authentication and enhance payment security during Web checkout.

SPC enables merchants, banks, payment service providers, card networks, and others to lower the friction of strong customer authentication (SCA), and produce cryptographic evidence of user consent, both important aspects of regulatory requirements such as the Payment Services Directive (PSD2) in Europe.

W3C, the FIDO Alliance, and EMVCo pursue improvements to online payment security through the development of interoperable technical specifications. Secure Payment Confirmation reflects this collaboration: it is built atop Web Authentication and is supported by both EMV® 3-D Secure (version 2.3) and EMV® Secure Remote Commerce (version 1.3). See How EMVCo, FIDO, and W3C Technologies Relate for more details.

Publication of Secure Payment Confirmation as a Candidate Recommendation indicates that the feature set is stable and has received wide review. W3C will seek additional implementation experience prior to advancing this version of Secure Payment Confirmation to Recommendation. Comments are welcome via the GitHub issues by 1 August 2023.

Please read our press release to learn more about this technology to streamline payment authentication.

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