Hi Martin, I am going to point out several other things about this as well.
Firstly, several of us asked several months ago in regards to the status of PSD2 / SCA, but we either got no reply, or a standard response of we are working on it. It is only recently that we started to get someone from Keap, ie: Crystal and yourself to reply about it. The issue is that it is just over 9 weeks ago before it goes live on September 14th, and we still do not know what the current status of this is.
Secondly, there is a limitation with Infusionsoft API in regards to the upcoming changes, which is that the API never supported 3D Secure. If the Banks require card authentication from the client, it is not going to be possible because there is no way visual to confirm it. That means that any Custom Developed API Order Forms that use Merchant Processors in the EEA Area will have issues in the future. They will work, but if the authentication is requested, they have no way to reply back via the Merchant Processor. In other words the Card Charging part of the API will become problematic, and would have to be discouraged from being used. It means that clients will have a high rate of failure, even though the payment could be valid.
It is all very well having the changes completed before the deadline, but it would be helpful to know which Merchant Processors will be compliant before that time. As I mentioned yesterday, what happens to the likes of SagePay and World Pay, will they still be supported? If you do not support them, then specific clients will have to change their Merchant Processor, and that can become difficult depending on the business they are running.
Now you know why we are getting concerned about this. I am sure the other concerned people have additional queries as well.