Strong Customer Authentication
New requirements for authenticating eCommerce payments are coming into force. These requirements are known as Strong Customer Authentication (SCA). As online transaction numbers and values grow, user authentication in the payments process is increasingly important. SCA is being introduced by the European Union as part of the second Payments Services Directive (PSD2) to reduce the potential for fraudulent transactions. From September 2021, UK banks are required to decline payments that do not meet the SCA requirements. Deadlines in other regions vary. For example, Germany and France are implementing soft changes as early as September 2020.
What is SCA?
SCA is a new regulatory requirement to protect online payments and decrease card-not-present (CNP) fraud. To authorise a payment, SCA requires additional authentication at the point of sale and to utilise at least two of the following three identifiers:
The three identifiers must be independent of one another. For example, if one were to be compromised, it would not impact the credibility of the others.
How can Adflex help?
Whether you process one-time payments or support repeat billing, Adflex has SCA ready services that can be integrated seamlessly. We also continually update features to ensure our customers benefit from the latest technology and enterprise security features to safeguard their business from fraud and future regulations.