Strong Customer Authentication
From December 2020, new requirements for authenticating eCommerce payments will come 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. After the deadline, banks are required to decline payments that do not meet the SCA requirements.
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 – i.e. if one were to be compromised, it would not impact the credibility of the others.
How can Adflex help?
We provide smart technology and expert consultancy to help businesses issue and accept digital payments. Our RESTful card payment API provides an extensive range of integrations with some of the most recognised eCommerce solutions.
It can be integrated seamlessly by adding a few lines of HTML, and we are continually updating features to ensure our customers benefit from the latest technology and enterprise security to safeguard their business.
If you have any questions about SCA or the potential implications to your business, please contact our sales team today.