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Strong Customer Authentication Infographic

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 Timeline

What 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.

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Benefits 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