A first-time transaction using a card which was not previously stored by the merchant must always be subjected to SCA. Charging the card before checkout can only be done without SCA if the merchant has the card on file in the system and SCA was successfully carried out previously.
In general, pursuant to today’s standard, merchants are obliged to use the 3D Secure procedure (aside from a few exceptions). There is therefore no need to amend existing contracts. However, Concardis will send specific information to merchants which excludes the future tolerance of non-3D-authenticated transactions.