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Upcoming Barclaycard Payment Changes: What Merchants Must Know

Barclaycard is introducing major updates that will affect eCommerce payment gateways across the UK. If your online store uses Barclaycard for transactions, here’s what you need to know to stay compliant and maintain a smooth checkout experience.

1. ePDQ Gateway Phase-Out

Barclaycard will retire its ePDQ payment gateway by 31 March 2026. After this date, merchants cannot process online payments, refunds, or MOTO transactions through ePDQ.

2. Hosted Payment Solutions

Switching from ePDQ DirectLink to a Barclaycard hosted payment page or Smartpay Fuse reduces PCI DSS compliance risks and offers built-in fraud protection.

3. PSD2 & Strong Customer Authentication

Compliance with PSD2 regulations and Strong Customer Authentication (SCA) is mandatory. Barclaycard supports 3D Secure 2 (3DS2) and offers exemptions for recurring or low-risk transactions.

4. New API Features

Barclaycard’s Smartpay Fuse REST API enables:

  • Subscription billing
  • Tokenisation
  •  Multi-currency support
  • Digital wallets like Apple Pay and Google Pay

How ClerksWell Can Help

Our services include:

  • Payment Gateway Integrations: Expertise in Barclaycard, Stripe, and other providers.
  • CMS Development & Hosting: As an Umbraco Platinum Partner and Sitecore Silver Partner, we deliver secure, scalable solutions.
  • Digital Strategy & UX: Optimising checkout flows for compliance and conversion.

ClerksWell has extensive experience helping clients navigate payment gateway changes. Recent projects have included;

  • Migrating from ePDQ DirectLink to Hosted Payment Page for better security and PCI DSS compliance.
  • Proposing Stripe as an alternative for easier integration with Umbraco Commerce.
  • Implementing fixes for payment issues, such as adding an “Awaiting Payment” status, improving UX to reduce rushed transactions and liaising with Barclaycard to resolve fraud-related errors.

Ready to future-proof your eCommerce payments? Contact ClerksWell today to discuss your migration strategy and keep your platform secure, compliant and customer-friendly.

 

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