During a transaction, SPC adds an extra step called “user consent.” This prompts users to review and confirm the payment details through a dialog box provided by the browser. By using cryptographic verification it ensures that the user has genuinely agreed to the payment terms, as mandated by regulations like PSD2. This fancy process is known as “dynamic linking.”
The Web Payments Working Group has been working on Secure Payment Confirmation since 2019 to meet the requirements of Strong Customer Authentication while keeping checkout difficulties to a minimum. SPC can be used for more than just card payments and can be extended to other payment systems.
SPC is available on Chrome and Edge browsers on macOS, Windows, and Android but not on Apple’s Safari browser. However, as the Web Payments Working Group progresses to the Candidate Recommendation phase, they will work on implementing SPC on other browsers and platforms as well.