SchemeServe users with Opayo (formerly SagePay) integrations must ensure their accounts are correctly configured to:

• Support PSD2 Strong Customer Authentication (SCA)
• Allow SchemeServe IP addresses for payment processing

Failure to apply these settings may result in failed or blocked card payments.

Important: February 2023 IP Update

As part of ongoing infrastructure updates, SchemeServe introduced a new outbound IP.

You must ensure the following IP address is added to your Opayo account:

• IP Address: 20.26.8.176
• Subnet Mask: 255.255.255.255

⚠️ Do not remove any existing IP addresses already configured, as this may interrupt live payment processing.

Full List of Required IP Addresses

Ensure the following IP addresses are present in your Opayo configuration:

• 51.143.191.44
• 51.143.184.36
• 51.143.185.7
• 51.143.187.28
• 51.143.188.173
• 51.143.185.94
• 51.143.191.235
• 2.151.109.145
• 51.143.138.168
• 20.26.8.176

Subnet mask for all entries:

• 255.255.255.255

PSD2 / Strong Customer Authentication (SCA)

What is PSD2 SCA?

PSD2 is an EU regulation that requires Strong Customer Authentication (SCA) for online payments.

This typically involves 3D Secure authentication during the payment process.

Action Required

To remain compliant and continue processing payments, you must:

Enable 3D Secure in Opayo

If not already enabled, activate 3D Secure for all transactions.

Instructions:

• https://www.sagepay.co.uk/support/28/36/activating-adding-a-3d-secure-rule 

Updating IP Addresses in Opayo

You must ensure all required SchemeServe IP addresses are added to your Opayo account.

Instructions:

• https://www.sagepay.co.uk/support/16/36/adding-an-ip-address-to-your-accounthttps://www.sagepay.co.uk/support/16/36/adding-an-ip-address-to-your-account

⚠️ Important:
Do not delete any existing IP addresses currently configured, as this may disrupt existing integrations and payment flows.

Symptoms of Incorrect Configuration

If IP addresses or SCA settings are not configured correctly, you may experience:

• Card payments failing or being declined
• Transactions not reaching Opayo
• Errors during payment processing
• Intermittent or inconsistent payment behaviour

When to contact Obsessive Support

Contact SchemeServe support if:

• You are unsure how to update your Opayo settings
• Payments continue to fail after configuration
• You require confirmation of the correct IP addresses