Strong Customer Authentication Hub
We're ready for Strong Customer Authentication
Explore SCA, what it will mean for your business, your customers and how to prepare for implementation
UK Implementation Deadline
The deadline for PSD2 implementation is now the 14 March 2022 for the UK. From 1 June this year, card schemes will gradually begin their implementation. We recommend merchants enable 3D secure before this date to ensure no disruption to payment processing as the ramp-up begins
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Qualifying criteria based on 3D Secure V2 usage. Approval & fraud rate based on Elavon customer’s transaction analysis 2020. Up to 85% faster checkout & up to 70% reduction in shopping cart abandonment when a risk-based authentication flow is used with 3D Secure, Visa 2020.
Strong Customer Authentication makes payments more secure for both your business and the customer by adding an extra layer of protection known as two-factor authentication (2FA). When SCA comes into effect, customers will be required to provide at least two forms of identification when making a payment; something the customer knows such as a pin or password, something the customer possesses such as a smartphone or something the person is such as biometric fingerprints.
SCA implementation timeline
The deadline for PSD2 has been extended to 14 March 2022 for the UK. Keep up to date with any changes using the timeline below.
SCA TimelineWhat actions do businesses need to take?
The first step to achieving SCA compliance is to activate 3D Secure within your MySagePay account. Those on our PI or Direct integration will need to undertake some additional development.
Get StartedBenefits of upgrading to the latest version of EMV 3D Secure
The introduction of Strong Customer Authentication as part of the Payments Services Directive 2 (PSD2) will make doing business easier, faster and safer going forward.
Added Security
Experience added security for your business and customers
More Confidence
Increased customer confidence when transacting with your business
Reduced Fraud and Chargebacks
Reduced fraud or chargebacks, liability shifts to the card issuer
Frictionless Customer Experience
Frictionless authentication and low friction challenges e.g. biometric authentication using fingerprint, facial or voice recognition that is quick and simple
Better Risk Judgement
Improved risk-based decisions using rich card holder data leading to higher approval rates
Full Support
Full support for all available exemption types and payment device types