PSD2 and SCA
Man holding a credit card and using smartphone for online shopping.


PSD2 and Strong Customer Authentication (SCA): A PSP Guide

Understand and Navigate SCA Requirements

Although consumers will see tremendous benefit around security and data protection, issuers, acquirers and merchants will face new challenges. The Regulatory Technical Standards (RTS) introduced requirements that issuers and acquirers must observe when they process payments or provide payment-related services.

The second Payment Services Directive (PSD2) was firmly established in Europe in January 2018 to drive payment innovation and data security by reducing competitive barriers, mandating new security processes and encouraging standardized technology to protect the confidentiality and integrity of payment service users’ personalized security credentials.

Explore the requirements within PSD2 for SCA and why merchants and issuers in the European Economic Area (EEA) are required to validate the consumer for all electronic payments. Additionally, learn:

  • When an SCA checks are required and when they are exempt
  • Who is liable for fraud
  • Advice on EMV 3D Secure 2.1/2.2

Download the Guide