Strong Customer Authentication (SCA)
Strong customer authentication (SCA) is a requirement of the EU Revised Directive on Payment Services (PSD2) on payment service providers within the European Economic Area. The requirement ensures that electronic payments are performed with multi-factor authentication, to increase the security of electronic payments. An authentication is considered strong if a shopper is able to provide […]
Strong customer authentication (SCA) is a requirement of the EU Revised Directive on Payment Services (PSD2) on payment service providers within the European Economic Area. The requirement ensures that electronic payments are performed with multi-factor authentication, to increase the security of electronic payments.
An authentication is considered strong if a shopper is able to provide two out of the following factors:
Something the customer KNOWS (e.g., password of PIN)
Something the customer HAS (e.g., phone of token)
Something the customer IS (e.g., fingerprint or face recognition)
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