{"id":6963,"date":"2021-02-15T14:07:24","date_gmt":"2021-02-15T13:07:24","guid":{"rendered":"https:\/\/www.gopay.com\/blog\/?p=6963"},"modified":"2025-06-24T15:27:40","modified_gmt":"2025-06-24T13:27:40","slug":"nova-povinnost-pro-e-shopy-predavat-vic-dat-u-kazde-platby","status":"publish","type":"post","link":"https:\/\/www.gopay.com\/blog\/nova-povinnost-pro-e-shopy-predavat-vic-dat-u-kazde-platby\/","title":{"rendered":"Nov\u00e1 povinnost pro e-shopy: p\u0159ed\u00e1vat v\u00edc dat u ka\u017ed\u00e9 platby"},"content":{"rendered":"\n

Od ledna leto\u0161n\u00edho roku mus\u00ed v\u0161echny platby kartou prob\u00edhat v re\u017eimu siln\u011bj\u0161\u00edho ov\u011b\u0159en\u00ed (SCA).
Jde o bezpe\u010dn\u011bj\u0161\u00ed zp\u016fsob, kter\u00fdm u\u017eivatel\u00e9 p\u0159i placen\u00ed potvrzuj\u00ed, \u017ee jsou opr\u00e1vn\u011bn\u00fdmi dr\u017eiteli platebn\u00ed karty, se kterou plat\u00ed.<\/p>\n\n\n\n\n\n\n\n


V praxi to znamen\u00e1, \u017ee nov\u011b platby nejsou ov\u011b\u0159ov\u00e1ny pomoc\u00ed SMS k\u00f3du, ale jin\u00fdmi zp\u016fsoby, v z\u00e1vislosti na tom, zda u\u017eivatel vlastn\u00ed chytr\u00fd telefon, nebo pou\u017e\u00edv\u00e1 aplikaci mobiln\u00edho bankovnictv\u00ed. <\/p>\n\n\n\n

Jak nov\u00e9 zp\u016fsoby ov\u011b\u0159en\u00ed plateb vypadaj\u00ed?<\/h2>\n\n\n\n

O tom, jak nov\u00e9 zp\u016fsoby ov\u011b\u0159en\u00ed budou vypadat, jsme psali nap\u0159\u00edklad v \u010dl\u00e1nku Jak bude nov\u00fd zp\u016fsob ov\u011b\u0159en\u00ed plateb fungovat v praxi?<\/a> Pro jistotu ale neu\u0161kod\u00ed mal\u00e9 op\u00e1\u010dko:

1. Ov\u011b\u0159en\u00ed pomoc\u00ed biometrick\u00fdch prvk\u016f<\/strong>
U\u017eivatel platbu ov\u011b\u0159\u00ed otiskem prstu, skenem obli\u010deje nebo duhovky. Toto ov\u011b\u0159en\u00ed mohou vyu\u017e\u00edvat pouze u\u017eivatel\u00e9, jejich\u017e chytr\u00fd telefon podporuje biometriku

2. Ov\u011b\u0159en\u00ed platby v aplikaci mobiln\u00edho bankovnictv\u00ed<\/strong>
U\u017eivatel platbu ov\u011b\u0159\u00ed tak, \u017ee se p\u0159ihl\u00e1s\u00ed do sv\u00e9 aplikace mobiln\u00edho bankovnictv\u00ed. Platba je autentizov\u00e1na bu\u010f zad\u00e1n\u00edm hesla do aplikace, nebo je vy\u017eadov\u00e1no dodate\u010dn\u00e9 potvrzen\u00ed platby uvnit\u0159 samotn\u00e9 aplikace. Toto \u0159e\u0161en\u00ed je samoz\u0159ejm\u011b mo\u017en\u00e9 pouze v p\u0159\u00edpad\u011b, \u017ee m\u00e1 u\u017eivatel na sv\u00e9m chytr\u00e9m telefonu nainstalovanou bankovn\u00ed apku a aktivn\u011b ji pou\u017e\u00edv\u00e1.

3. Ov\u011b\u0159en\u00ed pomoc\u00ed speci\u00e1ln\u00edho ePINu<\/strong>
Jedn\u00e1 se o \u010d\u00edseln\u00fd k\u00f3d, kter\u00fd u\u017eivateli p\u0159id\u011bl\u00ed banka. Tento PIN pak u\u017eivatel zad\u00e1 p\u0159i ov\u011b\u0159en\u00ed platby. Jedn\u00e1 se o \u0159e\u0161en\u00ed vhodn\u00e9 pro u\u017eivatele, kte\u0159\u00ed nevlastn\u00ed chytr\u00fd telefon a nepou\u017e\u00edvaj\u00ed aplikaci mobiln\u00edho bankovnictv\u00ed.

Asi nejv\u011bt\u0161\u00ed k\u00e1men \u00farazu je, \u017ee tento PIN nen\u00ed jednor\u00e1zov\u00fd, u\u017eivatel si jej mus\u00ed pamatovat a nesm\u00ed se v n\u011bm p\u0159i zad\u00e1v\u00e1n\u00ed spl\u00e9st. A aby si jej mohl osvojit, mus\u00ed o n\u011bm b\u00fdt informov\u00e1n. A ruku na srdce – \u010dtete poctiv\u011b v\u0161echny e-maily a ozn\u00e1men\u00ed, kter\u00e9 v\u00e1m va\u0161e banka zas\u00edl\u00e1? <\/p>\n\n\n\n

D\u016fle\u017eit\u00e9 je, \u017ee konkr\u00e9tn\u00ed podobu ov\u011b\u0159ovac\u00edho sc\u00e9n\u00e1\u0159e ur\u010duj\u00ed banky \u2013 nikdy ne platebn\u00ed br\u00e1na. Platebn\u00ed br\u00e1na pouze zaji\u0161\u0165uje napojen\u00ed na server banky, kter\u00e1 transakci ov\u011b\u0159uje.<\/p>\n\n\n\n

Jak\u00fd bude dopad na dokon\u010den\u00ed plateb?<\/h2>\n\n\n\n
\n

P\u0159esto\u017ee nov\u00e9 zp\u016fsoby ov\u011b\u0159en\u00ed plateb jsou samy o sob\u011b dobr\u00fdm krokem ke zv\u00fd\u0161en\u00ed bezpe\u010dnosti, zat\u00edm nen\u00ed jasn\u00e9, jak ovlivn\u00ed schopnost z\u00e1kazn\u00edk\u016f platby dokon\u010dovat.

P\u0159\u00edklady ze zahrani\u010d\u00ed, kde ji\u017e nov\u00e9 ov\u011b\u0159ovac\u00ed sc\u00e9n\u00e1\u0159e funguj\u00ed, ukazuj\u00ed, \u017ee v n\u011bkter\u00fdch p\u0159\u00edpadech m\u016f\u017ee doj\u00edt \u010d\u00e1ste\u010dn\u00e9mu sn\u00ed\u017een\u00ed celkov\u00e9 konverze plateb.<\/p>\n\n\n\n

Dal\u0161\u00edm probl\u00e9mem je, \u017ee ne ka\u017ed\u00fd \u010cech vlastn\u00ed chytr\u00fd telefon (podle dat z roku 2019<\/a> jej pou\u017e\u00edv\u00e1 asi 70 % populace) a tak\u00e9 ne ka\u017ed\u00fd pou\u017e\u00edv\u00e1 mobiln\u00ed bankovnictv\u00ed (asi 63 % <\/a>dosp\u011bl\u00fdch).<\/p>\n\n\n\n

U\u017eivatel, kter\u00fd na nov\u00fd zp\u016fsob ov\u011b\u0159en\u00ed nen\u00ed p\u0159ipraven\u00fd (nem\u00e1 \u0159\u00e1dn\u00e9 informace, pou\u017e\u00edv\u00e1 star\u00fd telefon, p\u0159\u00edpadn\u011b si nepamatuje speci\u00e1ln\u00ed ePIN, apod) m\u00e1 bohu\u017eel n\u00edzkou \u0161anci na dokon\u010den\u00ed online platby, nebo\u0165 bez \u0159\u00e1dn\u00e9ho ov\u011b\u0159en\u00ed platby banka transakci zam\u00edtne.

Toho jsou si karetn\u00ed asociace v\u011bdomy, a tak d\u00e1vaj\u00ed bank\u00e1m n\u00e1stroj, jak p\u0159echod na siln\u011bj\u0161\u00ed ov\u011b\u0159en\u00ed usnadnit.<\/p>\n<\/div><\/div>\n\n\n\n

Banky mohou ud\u011blit v\u00fdjimku<\/h2>\n\n\n\n

T\u00edm je tzv. transak\u010dn\u00ed anal\u00fdza, p\u0159i kter\u00e9 banka porovn\u00e1 data z\u00edskan\u00e1 z transakce s daty, kter\u00e1 o klientovi dr\u017e\u00ed. N\u00e1sledn\u011b rozhodne, jestli platba mus\u00ed proj\u00edt siln\u00fdm ov\u011b\u0159en\u00ed, nebo jestli m\u016f\u017ee dostat v\u00fdjimku (z\u00e1kazn\u00edk ji nebude muset autentizovat).

Aby banky mohly takto rozhodovat, pot\u0159ebuj\u00ed ke ka\u017ed\u00e9 platb\u011b dost\u00e1vat dodate\u010dn\u00e9 informace o plat\u00edc\u00edm z\u00e1kazn\u00edkovi od e-shopu.

Konkr\u00e9tn\u011b jde o:

\u2022 jm\u00e9no a p\u0159\u00edjmen\u00ed,
\u2022 e-mailov\u00e1 adresa,
\u2022 telefonn\u00ed \u010d\u00edslo,
\u2022 adresa (ulice, m\u011bsto, PS\u010c, st\u00e1t)<\/p>\n\n\n\n

Do kdy je t\u0159eba integraci roz\u0161\u00ed\u0159it?<\/h2>\n\n\n\n

Tyto \u00fadaje byste n\u00e1m m\u011bli za\u010d\u00edt p\u0159ed\u00e1vat ve va\u0161\u00ed integraci nejpozd\u011bji do z\u00e1\u0159\u00ed 2021. Jedn\u00e1 se o povinn\u00fd po\u017eadavek, vznesen\u00fd ze strany karetn\u00ed asociace Mastercard. <\/p>\n\n\n\n

N\u00ed\u017ee najdete p\u0159ehled nejd\u016fle\u017eit\u011bj\u0161\u00edch informac\u00ed k roz\u0161\u00ed\u0159en\u00ed va\u0161\u00ed integrace (klikn\u011bte na ot\u00e1zku a zobraz\u00ed se v\u00e1m odpov\u011b\u010f):<\/p>\n\n\n\n

<\/span>Kde najdu dokumentaci a popis pot\u0159ebn\u00fdch \u00fadaj\u016f?<\/div>
Popis pot\u0159ebn\u00fdch \u00fadaj\u016f najdete v na\u0161\u00ed API dokumentaci<\/a>. <\/div><\/div>\n\n\n\n

<\/span>S k\u00fdm m\u00e1m \u0159e\u0161it roz\u0161\u00ed\u0159en\u00ed integrace?<\/div>
Pokud m\u00e1te e-shop na m\u00edru, mus\u00edte si dopln\u011bn\u00ed integrace za\u0159\u00eddit sami, pop\u0159\u00edpad\u011b ve spolupr\u00e1ci s va\u0161\u00edm program\u00e1torem.<\/p>\n\n\n\n

Pokud vyu\u017e\u00edv\u00e1te e-shopov\u00e9 \u0159e\u0161en\u00ed (Shoptet, Eshop-rychle, FastCentrik, a dal\u0161\u00ed), k upraven\u00ed integrace dojde ze strany provozovatele e-shopov\u00e9 platformy. <\/div><\/div>\n\n\n\n

<\/span>Jak \u010dasov\u011b n\u00e1ro\u010dn\u00e1 je \u00faprava integrace?<\/div>
\u00daprava integrace m\u016f\u017eete trvat jednu hodinu a\u017e jeden pracovn\u00ed den, v z\u00e1vislosti na technick\u00e9m \u0159e\u0161en\u00ed va\u0161eho e-shopu. Pro v\u00edce informac\u00ed se spojte se sv\u00fdm program\u00e1torem. <\/div><\/div>\n\n\n\n

<\/span>Budou mi platby fungovat, i kdy\u017e integraci neroz\u0161\u00ed\u0159\u00edm a v\u00fd\u0161e povinn\u00e9 \u00fadaje v platb\u011b p\u0159ed\u00e1vat nebudu?<\/div>
Po\u017eadovan\u00e9 \u00fadaje nemaj\u00ed vliv na platbu jako takovou. Neznamen\u00e1 to tedy, \u017ee pokud \u00fadaje p\u0159ed\u00e1vat nebudete, nebudou v\u00e1m fungovat platby. Ale – p\u0159iprav\u00edte z\u00e1kazn\u00edky o mo\u017enost jednodu\u0161\u0161\u00edho ov\u011b\u0159en\u00ed 3D Secure, tak\u017ee v kone\u010dn\u00e9m d\u016fsledku to m\u016f\u017ee v\u00e9st ke sn\u00ed\u017een\u00e9 konverzi plateb. Va\u0161\u00edm z\u00e1jmem by m\u011blo b\u00fdt z\u00e1kazn\u00edk\u016fm platbu co nejv\u00edc usnadnit. <\/div><\/div>\n\n\n\n

Kde najdete dal\u0161\u00ed informace k siln\u00e9mu ov\u011b\u0159en\u00ed plateb?<\/h2>\n\n\n\n

Jak bude nov\u00fd zp\u016fsob ov\u011b\u0159en\u00ed plateb fungovat v praxi?<\/a><\/p>\n\n\n\n

Co znamen\u00e1 siln\u00e9 ov\u011b\u0159en\u00ed klienta a pro\u010d se o n\u011bm v\u0161ude mluv\u00ed?<\/a><\/p>\n\n\n\n

Jakou zm\u011bnu v placen\u00ed p\u0159inese 3D Secure 2.0?<\/a><\/p>\n\n\n\n

Pro\u010d se neb\u00e1t PSD2 a nov\u00fdch platebn\u00edch slu\u017eeb<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Od ledna leto\u0161n\u00edho roku mus\u00ed v\u0161echny platby kartou prob\u00edhat v re\u017eimu siln\u011bj\u0161\u00edho ov\u011b\u0159en\u00ed (SCA).Jde o bezpe\u010dn\u011bj\u0161\u00ed zp\u016fsob, kter\u00fdm u\u017eivatel\u00e9 p\u0159i placen\u00ed potvrzuj\u00ed, \u017ee jsou opr\u00e1vn\u011bn\u00fdmi dr\u017eiteli platebn\u00ed karty, se kterou plat\u00ed.<\/p>\n","protected":false},"author":8,"featured_media":6981,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[85],"tags":[36],"coauthors":[13],"class_list":["post-6963","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bezpecnost-online-plateb","tag-silneovereniplateb"],"acf":[],"yoast_head":"\nNov\u00e1 povinnost pro e-shopy: p\u0159ed\u00e1vat v\u00edc dat u ka\u017ed\u00e9 platby | GoPay blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.gopay.com\/blog\/nova-povinnost-pro-e-shopy-predavat-vic-dat-u-kazde-platby\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nov\u00e1 povinnost pro e-shopy: p\u0159ed\u00e1vat v\u00edc dat u ka\u017ed\u00e9 platby | GoPay blog\" \/>\n<meta property=\"og:description\" content=\"Od ledna leto\u0161n\u00edho roku mus\u00ed v\u0161echny platby kartou prob\u00edhat v re\u017eimu siln\u011bj\u0161\u00edho ov\u011b\u0159en\u00ed (SCA).Jde o bezpe\u010dn\u011bj\u0161\u00ed zp\u016fsob, kter\u00fdm u\u017eivatel\u00e9 p\u0159i placen\u00ed potvrzuj\u00ed, \u017ee jsou opr\u00e1vn\u011bn\u00fdmi dr\u017eiteli platebn\u00ed karty, se kterou plat\u00ed.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.gopay.com\/blog\/nova-povinnost-pro-e-shopy-predavat-vic-dat-u-kazde-platby\/\" \/>\n<meta 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