What is SCA?
Updated over a week ago

SCA (Strong Customer Authentication) is a European regulatory requirement to reduce fraud and make online payments more secure.

SCA requires authentication to use at least two of the following three elements:

  • something the customer knows (e.g., password or PIN)

  • something the customer has (e.g., phone or hardware token or OTP)

  • something the customer is (e.g., fingerprint or face recognition).

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