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Sellerdeck Payments by Opayo
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Sellerdeck Payments by Opayo

25th May 2021

Introduction

There are important changes in the payment industry this year that you must be aware of and actions you must take in the way you accept payments. Along with this, there are also changes to the Sellerdeck Payments service.

The key points are:

  • You must enable 3D Secure on your payment gateway by 1st June 2021
  • Sellerdeck is introducing an upgrade to its Sellerdeck Payments service, powered by Opayo
  • Sellerdeck Payments powered by NMI will cease its fraud screening operation on 30th June 2021
  • Read more information on Sellerdeck Payments powered by Opayo here

Payments Services Directive v2 (PSD2) and Strong Customer Authentication (SCA)

The Payments Services Directive v2 (PSD2) is a directive that aims to enhance the security of internet payments to reduce fraud.

For ecommerce businesses, the major change in PSD2 is Strong Customer Authentication (SCA), which is a security protocol commonly met by 3D Secure, although other methods are available.

The initial deadline for SCA was 14 September 2019, but the Financial Conduct Authority (FCA) in the UK delayed the enforcement until 14 September 2021. However, SCA will be introduced gradually in the UK from 1 June 2021, so you must have a solution in place by 1 June 2021.

The EU’s deadline for SCA was 1 January 2021 and if you accept payments from cardholders within the European Economic Area (EEA), you should already comply with SCA.

3D Secure

3D Secure is currently the markets preferred method to comply with SCA (digital wallets, such as PayPal and Amazon Pay, have other methods).

The main benefit to you the merchant when using 3D Secure is the liability shift, meaning the card issuer (i.e. Visa, Mastercard) will accept liability for charge backs.

Enabling 3D Secure is typically a small settings change within your payment gateway. For Sellerdeck Payments, there is one settings change within Sellerdeck Desktop. For more information on how to activate 3D Secure, please visit – https://community.sellerdeck.com/forum/knowledge-base/sellerdeck-payments/554110-enabling-3d-secure-for-sellerdeck-payments

3D Secure v2

3D Secure v1 (a password against your account) is not the best browser experience. So the industry have upgraded 3D Secure to v2, which is typically a SMS message with a one time use code (it can also be biometrics).

3D Secure v2 will work automatically if you have 3D Secure enabled and your gateway and acquirer have the connection. If 3D Secure v2 is not available, then it will revert to 3D Secure v1.

For more information on PSD2 and SCA please see – https://www.sellerdeck.co.uk/psd2/

Fraud Screening

Sellerdeck Payments powered by NMI will no longer offer fraud screening from the 30th June 2021. After this date, the data usually shown in Sellerdeck Desktop and webMIS for fraud screening will be blank.

Further information, including the explanation why, has been sent directly to you by email. If you have not received this, please request the content by contacting admin@sellerdeck.com

Sellerdeck Payments powered by Opayo

Sellerdeck has built a new leading payment gateway using Opayo (formerly Sage Pay) as the payment application. This partnership takes advantage of the Opayo platform, while integrating it into Sellerdeck Desktop to retain the key order processing features our customers benefit from.

There is an upgrade path from Sellerdeck Payments powered by NMI to Sellerdeck Payments powered by Opayo and a Sellerdeck Account Manager will work with you to ensure a smooth transition.

Sellerdeck Payments powered by Opayo has fraud screening and 3D Secure v2, today and for the future.

Sellerdeck Payments powered by NMI

Sellerdeck payments powered by NMI will no longer have fraud screening from 30th June 2021, further information, including the explanation why, has been sent directly to you by email. If you have not received this, please request the content by contacting admin@sellerdeck.com

Sellerdeck Payments powered by NMI will continue to be available for customers not wanting to upgrade to Sellerdeck Payments powered by Opayo.

Fraud screening was an additional feature added many years ago without an additional cost to the customer. The fraud screening solution is an additional cost to Sellerdeck and we will be passing on this saving by reducing the price of our Sellerdeck Payments by NMI contracts.

However, we recommend you upgrade to Sellerdeck Payments powered by Opayo for fraud screening and additional features.

Sellerdeck Payments powered by NMI is 3D Secure v2 ready and will be working with the first UK/EU acquirer by early June 2021. Throughout June further connections with acquirers will roll out until the majority of UK/EU acquirers will be 3D Secure v2 active by the end of June.

You may be on a annual contract, if you are and you decide to upgrade to Sellerdeck Payments by Opayo or switch to an alternative payment gateway, we will provide a refund based on our refund policy at the bottom of this blog.

Accessing Sellerdeck Payments powered by Opayo

Depending on your situation, there are different paths to the upgrade, below details your options:

Sellerdeck Payments powered by Opayo will be available in version 16.1.1 and v18.1.1; Once the version is available we will make an announcement by email.

There are three main options depending on your situation and the value you hold on fraud screening (which we believe is important):

Option 1 – Upgrade to Sellerdeck Payments powered by Opayo

This will require a Sellerdeck Desktop version upgrade to either v16.1.1 or v18.1.1 and a change in the Payment Methods settings.

We will help with the sign up to the new payment gateway.

For full instructions on setting up and adding Sellerdeck Payments by Opayo will follow.

Option 2 – Continue with Sellerdeck Payments powered by NMI

Remain on your current version and continue to use Sellerdeck Payments powered by NMI, at a discounted rate. There is no current sunset date for this gateway.

This option will mean you no longer have fraud screening.

Option 3 – Use alternative payment gateway

There are multiple payment gateways available with Sellerdeck Desktop. We recommend using either PayPal Commerce Platform or the direct integration with Opayo (formerly Sage Pay). Both these payment methods will give you 3D Secure and fraud screening.

If you are on an annual contract there is the option for a refund on Sellerdeck Payments powered by NMI, if you choose to switch payment method.

Below is information on how to upgrade your Sellerdeck Payments service, dependent on your Sellerdeck version and whether you have or do not have a Cover or Desktop 365 Plus subscription:

Version 18.1.X

When available, simply download the latest version of Sellerdeck Desktop v18 and add ‘Sellerdeck Payments by Opayo’.

Version 18.0.X with Cover or Desktop 365 Plus

Request a new v18.1.X licence key and download the latest version of Sellerdeck Desktop v18, then add ‘Sellerdeck Payments by Opayo’.

Version 18.0.X without Cover or Desktop 365 Plus

Sellerdeck Payments by Opayo is available in v18.1.1. To access this version you will need a licence key. Please contact an Account Manager on 01932 358350.

Once you have an active Cover or Desktop 365 Plus contract, request a new v18.1.X licence key and download the latest version of Sellerdeck Desktop v18, then add ‘Sellerdeck Payments by Opayo’.

Version 16.1.X

When available, simply download the latest version of Sellerdeck Desktop v16 and add ‘Sellerdeck Payments by Opayo’.

Or you can take this opportunity to upgrade to v18.1.1, and request a licence key by emailing admin@sellerdeck.com

Version 16.0.X with Cover or Desktop 365 Plus

Request a new v16.1.X licence key and download the latest version of Sellerdeck Desktop v16, then add ‘Sellerdeck Payments by Opayo’.

Or you can take this opportunity to upgrade to v18.1.1, and request a licence key by emailing admin@sellerdeck.com

Version 16.0.X without Cover or Desktop 365 Plus

Sellerdeck Payments by Opayo is available in v16.1.1. To access this version you will need a licence key. Please contact an Account Manager on 01932 358350.

Once you have an active Cover or Desktop 365 Plus contract, request a new v16.1.X licence key and download the latest version of Sellerdeck Desktop v16, then add ‘Sellerdeck Payments by Opayo’.

Or you can take this opportunity to upgrade to v18.1.1, and request a licence key by emailing admin@sellerdeck.com

Version 14 or below with Cover or Desktop 365 Plus

Request a new v18.1.X licence key and download the latest version of Sellerdeck Desktop v18, then add ‘Sellerdeck Payments by Opayo’.

Version 14 or below without Cover or Desktop 365 Plus

Sellerdeck Payments by Opayo is available in v18.1.1. To access this version you will need a licence key. Please contact an Account Manager on 01932 358350.

Once you have an active Cover or Desktop 365 Plus contract, request a new v18.1.X licence key and download the latest version of Sellerdeck Desktop v18, then add ‘Sellerdeck Payments by Opayo’.

Alternative Payment Gateways:

If you decide that you want to change payment gateway provider, we recommend using one of our supported and recommended gateways:

Opayo (formerly Sage Pay) – https://www.opayo.co.uk/apply?partner_id=DC0CDA04-CDE9-4121-94A4-AD2B8CB87158

PayPal Commerce Platform – https://www.sellerdeck.co.uk/paypal-commerce-platform/

Oxatis users

Sellerdeck Payments powered by NMI is also available for Oxatis users. If you are using the ecommerce platform provided by Oxatis along with Sellerdeck Payments powered by NMI then you will no longer have fraud screening from 30th June 2021. We recommend you look for an alternative payment gateway that is integrated with Oxatis and has fraud screening, please speak with your Oxatis account manager for further information.

Sellerdeck Payments by Opayo Pricing

PackageMonthlyAnnualTransactions IncludedCost Per Additional Transaction
Sellerdeck Payments A800£155.00800 per annum£0.40p
Sellerdeck Payments 350£32.00350 per month£0.10p
Sellerdeck Payments 600£57.00600 per month£0.09p
Sellerdeck Payments 3000£270.003000 per month£0.08p

Sellerdeck Payments by NMI Pricing Changes

With the removal of fraud screening, Sellerdeck will be reducing the cost of its packages by up to 9%.

These price changes we be automatically applied on the next renewal date after 1st July 2021.

PackageMonthlyAnnualTransactions IncludedCost Per Additional Transaction
Sellerdeck Payments A800£140.00800 per annum£0.39p
Sellerdeck Payments 350£25.50350 per month£0.10p
Sellerdeck Payments 600£50.00600 per month£0.08p
Sellerdeck Payments 3000£250.003000 per month£0.06p

Refund Policy

If you have an annual account for Sellerdeck Payments powered by NMI and remaining months on this contract, we will provide you with a refund following the below policy and terms:

Refund amount dependent on time and transactions remaining on contract.

Formula is:

Annual Contract Value / Contract Length x Remaining Months = Contract Value Refund

Annual Transaction Count / Contract Length x Used Months = Available Transactions Refund

Used Transactions – Available Transactions Refund = Transaction Overuse (zero unless a positive value)

Transaction Overuse x 20p Per Transaction = Transaction Overuse Fee

Contract Value Refund – Transaction Overuse Fee = Total Refund

Example:

Annual Contract Value – £145 plus VAT

Contract Length – 12 months

Annual Transaction Count – 800

Remaining Months – 3 months

Used Months – 9 months

Used Transactions – 400

Example Calculation:

£145 / 12 x 3 = £36.25

800 / 12 x 9 = 600

400 – 600 = null

0 x 20p = £0

£36.25 – £0 = £36.25

Total refund of £36.25 plus VAT.

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