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Release 2026-01-20

This release introduces improvements to the hosted checkout experience, with a focus on payment recoverability and expanded support for SEPA Direct Debit.

By improving recovery paths for interrupted authentication flows and ensuring compliant consent collection for SEPA payments, platforms benefit from higher completion rates, more reliable payment outcomes, and a smoother checkout experience without additional integration complexity.

3DS authentication recoverability​

The hosted checkout page now supports recovery for interrupted 3DS authentication flows. If a buyer loses or closes the 3DS authentication step before completion, the checkout page can detect that authentication is still pending and present an option to resume the process.

This allows buyers to continue their payment without restarting the checkout, reducing friction and minimizing abandoned payments caused by incomplete authentication. For platforms, this results in higher payment completion rates and a more reliable card payment experience without requiring additional integration changes.

3DS recoverability

3DS recoverability in the hosted checkout

As part of the rollout of SEPA Direct Debit as a fully supported payment method, a dedicated SEPA consent form has been introduced in the hosted checkout.

The consent form ensures compliance with EU requirements by collecting the minimum required personal information (PII) and explicitly capturing the buyer’s consent for SEPA Direct Debit operations. This guarantees that mandates are created transparently and in line with regulatory expectations, while keeping the checkout experience clear and user-friendly.

For platforms choosing to use SEPA as a payment method, this enables compliant SEPA Direct Debit processing out of the box, reduces legal and operational risk, and simplifies adoption of SEPA payments without additional consent handling or custom flows.

SEPA consent

Hosted checkout page SEPA consent form

Estimated update in checkout webhooks​

The checkout_in_progress webhook now includes the estimated_update_before field, providing an estimated timeframe for when the next status update is expected. This webhook is triggered when a checkout expires while a payment attempt is still active.

The estimate varies based on the selected payment method and the action required from the buyer, giving platforms clearer visibility into pending payment states. With this additional signal, platforms can make more informed decisions, improving transparency and predictability across the payment process.

checkout_in_progress webhook
{
  "id": "evt_4jbfjc3dfybnw9f15en0rve844",
  "type": "checkout_in_progress",
  "version": "v2",
  "occurred_at": "2025-10-24T13:52:57.312Z",
  "data": {
    "id": "chk_5c4qtpjycdb1jbj68h1rvk9kyv",
    "origin": {
      "type": "api"
    },
    "reference": "ORDER-2026-001",
    "payment": {
      "id": "pay_4a4m2pjycdb1jbj68h1rvk9kcz",
      "method": "sepa_direct_debit",
      "estimated_update_before": "2026-01-23T13:52:57.312Z"
    }
  }
}