Strong Customer Authentication (SCA) is a new set of rules that will change how consumers confirm their identity when making purchases online. The rules apply in full for card payments, from 14 March 2022 in the UK.
While the Financial Conduct Authority recently announced a further 6-month extension to the SCA compliance deadline in the UK, which is now 14 March 2022, from the 1 June this year, card schemes will gradually begin their implementation of Strong Customer Authentication and e-Commerce transactions will increasingly be checked for 3DS compliance. We recommend that merchants enable 3DSv2 before this date to ensure no disruption to payment processing as the ramp-up begins.
If you do not take action, e-commerce card-based payment transactions that are non-compliant will be declined. Implementation of these new rules may require testing and specific changes to your payment process. We therefore encourage you to take immediate action to ensure you are not at risk of declined transactions which may impact your business. Urgent action should be taken by businesses with an online presence.